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$160,655
−HK$10,075/mo
▼ 0.25% · 3.875%
HK$165,653
−HK$5,077/mo
Today · 4.125%
HK$170,730
baseline
▲ 0.50% · 4.625%
HK$181,119
+HK$10,389/mo
Deposit HK$35.23M · loan HK$35.23M · min. income ≈ HK$341,460/mo (50% DSR)
Upfront cash ≈ HK$38.22M (deposit + AVD stamp duty HK$2,994,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,728
−HK$9,656/mo
▼ 0.25% · 3.875%
HK$183,521
−HK$4,863/mo
Today · 4.125%
HK$188,384
baseline
▲ 0.50% · 4.625%
HK$198,314
+HK$9,930/mo
Deposit HK$35.23M · loan HK$35.23M · min. income ≈ HK$376,768/mo (50% DSR)
Upfront cash ≈ HK$38.22M (deposit + AVD stamp duty HK$2,994,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,787
−HK$12,089/mo
▼ 0.25% · 3.875%
HK$198,783
−HK$6,093/mo
Today · 4.125%
HK$204,876
baseline
▲ 0.50% · 4.625%
HK$217,342
+HK$12,466/mo
Deposit HK$28.18M · loan HK$42.27M · min. income ≈ HK$409,752/mo (50% DSR)
Upfront cash ≈ HK$31.18M (deposit + AVD stamp duty HK$2,994,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,473
−HK$11,587/mo
▼ 0.25% · 3.875%
HK$220,225
−HK$5,835/mo
Today · 4.125%
HK$226,060
baseline
▲ 0.50% · 4.625%
HK$237,976
+HK$11,916/mo
Deposit HK$28.18M · loan HK$42.27M · min. income ≈ HK$452,120/mo (50% DSR)
Upfront cash ≈ HK$31.18M (deposit + AVD stamp duty HK$2,994,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,918
−HK$14,104/mo
▼ 0.25% · 3.875%
HK$231,914
−HK$7,108/mo
Today · 4.125%
HK$239,022
baseline
▲ 0.50% · 4.625%
HK$253,566
+HK$14,544/mo
Deposit HK$21.14M · loan HK$49.32M · min. income ≈ HK$478,044/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$2,994,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,219
−HK$13,518/mo
▼ 0.25% · 3.875%
HK$256,929
−HK$6,808/mo
Today · 4.125%
HK$263,737
baseline
▲ 0.50% · 4.625%
HK$277,639
+HK$13,902/mo
Deposit HK$21.14M · loan HK$49.32M · min. income ≈ HK$527,474/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$2,994,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,180
−HK$18,134/mo
▼ 0.25% · 3.875%
HK$298,175
−HK$9,139/mo
Today · 4.125%
HK$307,314
baseline
▲ 0.50% · 4.625%
HK$326,013
+HK$18,699/mo
Deposit HK$7.05M · loan HK$63.41M · min. income ≈ HK$614,628/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$2,994,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$321,710
−HK$17,381/mo
▼ 0.25% · 3.875%
HK$330,338
−HK$8,753/mo
Today · 4.125%
HK$339,091
baseline
▲ 0.50% · 4.625%
HK$356,965
+HK$17,874/mo
Deposit HK$7.05M · loan HK$63.41M · min. income ≈ HK$678,182/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$2,994,338 · Scale 2, in force from 26 Feb 2026)