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$163,702
−HK$10,265/mo
▼ 0.25% · 3.875%
HK$168,794
−HK$5,173/mo
Today · 4.125%
HK$173,967
baseline
▲ 0.50% · 4.625%
HK$184,553
+HK$10,586/mo
Deposit HK$35.90M · loan HK$35.90M · min. income ≈ HK$347,934/mo (50% DSR)
Upfront cash ≈ HK$38.95M (deposit + AVD stamp duty HK$3,051,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,116
−HK$9,840/mo
▼ 0.25% · 3.875%
HK$187,001
−HK$4,955/mo
Today · 4.125%
HK$191,956
baseline
▲ 0.50% · 4.625%
HK$202,074
+HK$10,118/mo
Deposit HK$35.90M · loan HK$35.90M · min. income ≈ HK$383,912/mo (50% DSR)
Upfront cash ≈ HK$38.95M (deposit + AVD stamp duty HK$3,051,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,442
−HK$12,319/mo
▼ 0.25% · 3.875%
HK$202,552
−HK$6,209/mo
Today · 4.125%
HK$208,761
baseline
▲ 0.50% · 4.625%
HK$221,463
+HK$12,702/mo
Deposit HK$28.72M · loan HK$43.07M · min. income ≈ HK$417,522/mo (50% DSR)
Upfront cash ≈ HK$31.77M (deposit + AVD stamp duty HK$3,051,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,540
−HK$11,807/mo
▼ 0.25% · 3.875%
HK$224,401
−HK$5,946/mo
Today · 4.125%
HK$230,347
baseline
▲ 0.50% · 4.625%
HK$242,489
+HK$12,142/mo
Deposit HK$28.72M · loan HK$43.07M · min. income ≈ HK$460,694/mo (50% DSR)
Upfront cash ≈ HK$31.77M (deposit + AVD stamp duty HK$3,051,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,182
−HK$14,372/mo
▼ 0.25% · 3.875%
HK$236,311
−HK$7,243/mo
Today · 4.125%
HK$243,554
baseline
▲ 0.50% · 4.625%
HK$258,374
+HK$14,820/mo
Deposit HK$21.54M · loan HK$50.25M · min. income ≈ HK$487,108/mo (50% DSR)
Upfront cash ≈ HK$24.59M (deposit + AVD stamp duty HK$3,051,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,963
−HK$13,775/mo
▼ 0.25% · 3.875%
HK$261,801
−HK$6,937/mo
Today · 4.125%
HK$268,738
baseline
▲ 0.50% · 4.625%
HK$282,903
+HK$14,165/mo
Deposit HK$21.54M · loan HK$50.25M · min. income ≈ HK$537,476/mo (50% DSR)
Upfront cash ≈ HK$24.59M (deposit + AVD stamp duty HK$3,051,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,663
−HK$18,478/mo
▼ 0.25% · 3.875%
HK$303,829
−HK$9,312/mo
Today · 4.125%
HK$313,141
baseline
▲ 0.50% · 4.625%
HK$332,195
+HK$19,054/mo
Deposit HK$7.18M · loan HK$64.61M · min. income ≈ HK$626,282/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$3,051,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$327,809
−HK$17,711/mo
▼ 0.25% · 3.875%
HK$336,601
−HK$8,919/mo
Today · 4.125%
HK$345,520
baseline
▲ 0.50% · 4.625%
HK$363,733
+HK$18,213/mo
Deposit HK$7.18M · loan HK$64.61M · min. income ≈ HK$691,040/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$3,051,112 · Scale 2, in force from 26 Feb 2026)