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$162,008
−HK$10,159/mo
▼ 0.25% · 3.875%
HK$167,047
−HK$5,120/mo
Today · 4.125%
HK$172,167
baseline
▲ 0.50% · 4.625%
HK$182,643
+HK$10,476/mo
Deposit HK$35.52M · loan HK$35.52M · min. income ≈ HK$344,334/mo (50% DSR)
Upfront cash ≈ HK$38.54M (deposit + AVD stamp duty HK$3,019,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,232
−HK$9,737/mo
▼ 0.25% · 3.875%
HK$185,066
−HK$4,903/mo
Today · 4.125%
HK$189,969
baseline
▲ 0.50% · 4.625%
HK$199,983
+HK$10,014/mo
Deposit HK$35.52M · loan HK$35.52M · min. income ≈ HK$379,938/mo (50% DSR)
Upfront cash ≈ HK$38.54M (deposit + AVD stamp duty HK$3,019,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,409
−HK$12,191/mo
▼ 0.25% · 3.875%
HK$200,456
−HK$6,144/mo
Today · 4.125%
HK$206,600
baseline
▲ 0.50% · 4.625%
HK$219,171
+HK$12,571/mo
Deposit HK$28.42M · loan HK$42.63M · min. income ≈ HK$413,200/mo (50% DSR)
Upfront cash ≈ HK$31.44M (deposit + AVD stamp duty HK$3,019,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,278
−HK$11,685/mo
▼ 0.25% · 3.875%
HK$222,079
−HK$5,884/mo
Today · 4.125%
HK$227,963
baseline
▲ 0.50% · 4.625%
HK$239,979
+HK$12,016/mo
Deposit HK$28.42M · loan HK$42.63M · min. income ≈ HK$455,926/mo (50% DSR)
Upfront cash ≈ HK$31.44M (deposit + AVD stamp duty HK$3,019,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,811
−HK$14,223/mo
▼ 0.25% · 3.875%
HK$233,866
−HK$7,168/mo
Today · 4.125%
HK$241,034
baseline
▲ 0.50% · 4.625%
HK$255,700
+HK$14,666/mo
Deposit HK$21.31M · loan HK$49.73M · min. income ≈ HK$482,068/mo (50% DSR)
Upfront cash ≈ HK$24.33M (deposit + AVD stamp duty HK$3,019,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,325
−HK$13,632/mo
▼ 0.25% · 3.875%
HK$259,092
−HK$6,865/mo
Today · 4.125%
HK$265,957
baseline
▲ 0.50% · 4.625%
HK$279,976
+HK$14,019/mo
Deposit HK$21.31M · loan HK$49.73M · min. income ≈ HK$531,914/mo (50% DSR)
Upfront cash ≈ HK$24.33M (deposit + AVD stamp duty HK$3,019,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,614
−HK$18,286/mo
▼ 0.25% · 3.875%
HK$300,685
−HK$9,215/mo
Today · 4.125%
HK$309,900
baseline
▲ 0.50% · 4.625%
HK$328,757
+HK$18,857/mo
Deposit HK$7.10M · loan HK$63.94M · min. income ≈ HK$619,800/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$3,019,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$324,417
−HK$17,528/mo
▼ 0.25% · 3.875%
HK$333,118
−HK$8,827/mo
Today · 4.125%
HK$341,945
baseline
▲ 0.50% · 4.625%
HK$359,969
+HK$18,024/mo
Deposit HK$7.10M · loan HK$63.94M · min. income ≈ HK$683,890/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$3,019,540 · Scale 2, in force from 26 Feb 2026)