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$165,196
−HK$10,359/mo
▼ 0.25% · 3.875%
HK$170,334
−HK$5,221/mo
Today · 4.125%
HK$175,555
baseline
▲ 0.50% · 4.625%
HK$186,237
+HK$10,682/mo
Deposit HK$36.22M · loan HK$36.22M · min. income ≈ HK$351,110/mo (50% DSR)
Upfront cash ≈ HK$39.30M (deposit + AVD stamp duty HK$3,078,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,779
−HK$9,929/mo
▼ 0.25% · 3.875%
HK$188,707
−HK$5,001/mo
Today · 4.125%
HK$193,708
baseline
▲ 0.50% · 4.625%
HK$203,918
+HK$10,210/mo
Deposit HK$36.22M · loan HK$36.22M · min. income ≈ HK$387,416/mo (50% DSR)
Upfront cash ≈ HK$39.30M (deposit + AVD stamp duty HK$3,078,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,235
−HK$12,431/mo
▼ 0.25% · 3.875%
HK$204,401
−HK$6,265/mo
Today · 4.125%
HK$210,666
baseline
▲ 0.50% · 4.625%
HK$223,484
+HK$12,818/mo
Deposit HK$28.98M · loan HK$43.47M · min. income ≈ HK$421,332/mo (50% DSR)
Upfront cash ≈ HK$32.06M (deposit + AVD stamp duty HK$3,078,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,534
−HK$11,915/mo
▼ 0.25% · 3.875%
HK$226,449
−HK$6,000/mo
Today · 4.125%
HK$232,449
baseline
▲ 0.50% · 4.625%
HK$244,702
+HK$12,253/mo
Deposit HK$28.98M · loan HK$43.47M · min. income ≈ HK$464,898/mo (50% DSR)
Upfront cash ≈ HK$32.06M (deposit + AVD stamp duty HK$3,078,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,274
−HK$14,503/mo
▼ 0.25% · 3.875%
HK$238,468
−HK$7,309/mo
Today · 4.125%
HK$245,777
baseline
▲ 0.50% · 4.625%
HK$260,732
+HK$14,955/mo
Deposit HK$21.73M · loan HK$50.71M · min. income ≈ HK$491,554/mo (50% DSR)
Upfront cash ≈ HK$24.81M (deposit + AVD stamp duty HK$3,078,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,290
−HK$13,901/mo
▼ 0.25% · 3.875%
HK$264,190
−HK$7,001/mo
Today · 4.125%
HK$271,191
baseline
▲ 0.50% · 4.625%
HK$285,485
+HK$14,294/mo
Deposit HK$21.73M · loan HK$50.71M · min. income ≈ HK$542,382/mo (50% DSR)
Upfront cash ≈ HK$24.81M (deposit + AVD stamp duty HK$3,078,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,352
−HK$18,647/mo
▼ 0.25% · 3.875%
HK$306,602
−HK$9,397/mo
Today · 4.125%
HK$315,999
baseline
▲ 0.50% · 4.625%
HK$335,227
+HK$19,228/mo
Deposit HK$7.24M · loan HK$65.20M · min. income ≈ HK$631,998/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$3,078,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$330,801
−HK$17,873/mo
▼ 0.25% · 3.875%
HK$339,673
−HK$9,001/mo
Today · 4.125%
HK$348,674
baseline
▲ 0.50% · 4.625%
HK$367,053
+HK$18,379/mo
Deposit HK$7.24M · loan HK$65.20M · min. income ≈ HK$697,348/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$3,078,959 · Scale 2, in force from 26 Feb 2026)