The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$162,959
−HK$10,219/mo
▼ 0.25% · 3.875%
HK$168,028
−HK$5,150/mo
Today · 4.125%
HK$173,178
baseline
▲ 0.50% · 4.625%
HK$183,716
+HK$10,538/mo
Deposit HK$35.73M · loan HK$35.73M · min. income ≈ HK$346,356/mo (50% DSR)
Upfront cash ≈ HK$38.77M (deposit + AVD stamp duty HK$3,037,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,290
−HK$9,795/mo
▼ 0.25% · 3.875%
HK$186,153
−HK$4,932/mo
Today · 4.125%
HK$191,085
baseline
▲ 0.50% · 4.625%
HK$201,157
+HK$10,072/mo
Deposit HK$35.73M · loan HK$35.73M · min. income ≈ HK$382,170/mo (50% DSR)
Upfront cash ≈ HK$38.77M (deposit + AVD stamp duty HK$3,037,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,551
−HK$12,263/mo
▼ 0.25% · 3.875%
HK$201,634
−HK$6,180/mo
Today · 4.125%
HK$207,814
baseline
▲ 0.50% · 4.625%
HK$220,459
+HK$12,645/mo
Deposit HK$28.59M · loan HK$42.88M · min. income ≈ HK$415,628/mo (50% DSR)
Upfront cash ≈ HK$31.62M (deposit + AVD stamp duty HK$3,037,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,548
−HK$11,754/mo
▼ 0.25% · 3.875%
HK$223,383
−HK$5,919/mo
Today · 4.125%
HK$229,302
baseline
▲ 0.50% · 4.625%
HK$241,389
+HK$12,087/mo
Deposit HK$28.59M · loan HK$42.88M · min. income ≈ HK$458,604/mo (50% DSR)
Upfront cash ≈ HK$31.62M (deposit + AVD stamp duty HK$3,037,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,143
−HK$14,306/mo
▼ 0.25% · 3.875%
HK$235,239
−HK$7,210/mo
Today · 4.125%
HK$242,449
baseline
▲ 0.50% · 4.625%
HK$257,202
+HK$14,753/mo
Deposit HK$21.44M · loan HK$50.03M · min. income ≈ HK$484,898/mo (50% DSR)
Upfront cash ≈ HK$24.48M (deposit + AVD stamp duty HK$3,037,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,807
−HK$13,712/mo
▼ 0.25% · 3.875%
HK$260,614
−HK$6,905/mo
Today · 4.125%
HK$267,519
baseline
▲ 0.50% · 4.625%
HK$281,620
+HK$14,101/mo
Deposit HK$21.44M · loan HK$50.03M · min. income ≈ HK$535,038/mo (50% DSR)
Upfront cash ≈ HK$24.48M (deposit + AVD stamp duty HK$3,037,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,326
−HK$18,395/mo
▼ 0.25% · 3.875%
HK$302,451
−HK$9,270/mo
Today · 4.125%
HK$311,721
baseline
▲ 0.50% · 4.625%
HK$330,688
+HK$18,967/mo
Deposit HK$7.15M · loan HK$64.32M · min. income ≈ HK$623,442/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$3,037,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$326,323
−HK$17,630/mo
▼ 0.25% · 3.875%
HK$335,075
−HK$8,878/mo
Today · 4.125%
HK$343,953
baseline
▲ 0.50% · 4.625%
HK$362,083
+HK$18,130/mo
Deposit HK$7.15M · loan HK$64.32M · min. income ≈ HK$687,906/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$3,037,274 · Scale 2, in force from 26 Feb 2026)