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$162,632
−HK$10,199/mo
▼ 0.25% · 3.875%
HK$167,691
−HK$5,140/mo
Today · 4.125%
HK$172,831
baseline
▲ 0.50% · 4.625%
HK$183,347
+HK$10,516/mo
Deposit HK$35.66M · loan HK$35.66M · min. income ≈ HK$345,662/mo (50% DSR)
Upfront cash ≈ HK$38.69M (deposit + AVD stamp duty HK$3,031,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,927
−HK$9,775/mo
▼ 0.25% · 3.875%
HK$185,779
−HK$4,923/mo
Today · 4.125%
HK$190,702
baseline
▲ 0.50% · 4.625%
HK$200,754
+HK$10,052/mo
Deposit HK$35.66M · loan HK$35.66M · min. income ≈ HK$381,404/mo (50% DSR)
Upfront cash ≈ HK$38.69M (deposit + AVD stamp duty HK$3,031,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,159
−HK$12,238/mo
▼ 0.25% · 3.875%
HK$201,230
−HK$6,167/mo
Today · 4.125%
HK$207,397
baseline
▲ 0.50% · 4.625%
HK$220,017
+HK$12,620/mo
Deposit HK$28.53M · loan HK$42.79M · min. income ≈ HK$414,794/mo (50% DSR)
Upfront cash ≈ HK$31.56M (deposit + AVD stamp duty HK$3,031,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,112
−HK$11,730/mo
▼ 0.25% · 3.875%
HK$222,935
−HK$5,907/mo
Today · 4.125%
HK$228,842
baseline
▲ 0.50% · 4.625%
HK$240,905
+HK$12,063/mo
Deposit HK$28.53M · loan HK$42.79M · min. income ≈ HK$457,684/mo (50% DSR)
Upfront cash ≈ HK$31.56M (deposit + AVD stamp duty HK$3,031,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,685
−HK$14,278/mo
▼ 0.25% · 3.875%
HK$234,768
−HK$7,195/mo
Today · 4.125%
HK$241,963
baseline
▲ 0.50% · 4.625%
HK$256,686
+HK$14,723/mo
Deposit HK$21.40M · loan HK$49.93M · min. income ≈ HK$483,926/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$3,031,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,298
−HK$13,685/mo
▼ 0.25% · 3.875%
HK$260,091
−HK$6,892/mo
Today · 4.125%
HK$266,983
baseline
▲ 0.50% · 4.625%
HK$281,056
+HK$14,073/mo
Deposit HK$21.40M · loan HK$49.93M · min. income ≈ HK$533,966/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$3,031,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,738
−HK$18,358/mo
▼ 0.25% · 3.875%
HK$301,844
−HK$9,252/mo
Today · 4.125%
HK$311,096
baseline
▲ 0.50% · 4.625%
HK$330,025
+HK$18,929/mo
Deposit HK$7.13M · loan HK$64.19M · min. income ≈ HK$622,192/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$3,031,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$325,669
−HK$17,594/mo
▼ 0.25% · 3.875%
HK$334,403
−HK$8,860/mo
Today · 4.125%
HK$343,263
baseline
▲ 0.50% · 4.625%
HK$361,357
+HK$18,094/mo
Deposit HK$7.13M · loan HK$64.19M · min. income ≈ HK$686,526/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$3,031,186 · Scale 2, in force from 26 Feb 2026)