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$163,998
−HK$10,285/mo
▼ 0.25% · 3.875%
HK$169,100
−HK$5,183/mo
Today · 4.125%
HK$174,283
baseline
▲ 0.50% · 4.625%
HK$184,887
+HK$10,604/mo
Deposit HK$35.96M · loan HK$35.96M · min. income ≈ HK$348,566/mo (50% DSR)
Upfront cash ≈ HK$39.02M (deposit + AVD stamp duty HK$3,056,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,447
−HK$9,857/mo
▼ 0.25% · 3.875%
HK$187,340
−HK$4,964/mo
Today · 4.125%
HK$192,304
baseline
▲ 0.50% · 4.625%
HK$202,440
+HK$10,136/mo
Deposit HK$35.96M · loan HK$35.96M · min. income ≈ HK$384,608/mo (50% DSR)
Upfront cash ≈ HK$39.02M (deposit + AVD stamp duty HK$3,056,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,798
−HK$12,341/mo
▼ 0.25% · 3.875%
HK$202,920
−HK$6,219/mo
Today · 4.125%
HK$209,139
baseline
▲ 0.50% · 4.625%
HK$221,865
+HK$12,726/mo
Deposit HK$28.77M · loan HK$43.15M · min. income ≈ HK$418,278/mo (50% DSR)
Upfront cash ≈ HK$31.83M (deposit + AVD stamp duty HK$3,056,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,936
−HK$11,828/mo
▼ 0.25% · 3.875%
HK$224,808
−HK$5,956/mo
Today · 4.125%
HK$230,764
baseline
▲ 0.50% · 4.625%
HK$242,928
+HK$12,164/mo
Deposit HK$28.77M · loan HK$43.15M · min. income ≈ HK$461,528/mo (50% DSR)
Upfront cash ≈ HK$31.83M (deposit + AVD stamp duty HK$3,056,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,598
−HK$14,398/mo
▼ 0.25% · 3.875%
HK$236,740
−HK$7,256/mo
Today · 4.125%
HK$243,996
baseline
▲ 0.50% · 4.625%
HK$258,842
+HK$14,846/mo
Deposit HK$21.58M · loan HK$50.34M · min. income ≈ HK$487,992/mo (50% DSR)
Upfront cash ≈ HK$24.63M (deposit + AVD stamp duty HK$3,056,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,425
−HK$13,800/mo
▼ 0.25% · 3.875%
HK$262,276
−HK$6,949/mo
Today · 4.125%
HK$269,225
baseline
▲ 0.50% · 4.625%
HK$283,416
+HK$14,191/mo
Deposit HK$21.58M · loan HK$50.34M · min. income ≈ HK$538,450/mo (50% DSR)
Upfront cash ≈ HK$24.63M (deposit + AVD stamp duty HK$3,056,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,197
−HK$18,512/mo
▼ 0.25% · 3.875%
HK$304,379
−HK$9,330/mo
Today · 4.125%
HK$313,709
baseline
▲ 0.50% · 4.625%
HK$332,797
+HK$19,088/mo
Deposit HK$7.19M · loan HK$64.73M · min. income ≈ HK$627,418/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$3,056,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,404
−HK$17,743/mo
▼ 0.25% · 3.875%
HK$337,212
−HK$8,935/mo
Today · 4.125%
HK$346,147
baseline
▲ 0.50% · 4.625%
HK$364,392
+HK$18,245/mo
Deposit HK$7.19M · loan HK$64.73M · min. income ≈ HK$692,294/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$3,056,645 · Scale 2, in force from 26 Feb 2026)