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$163,681
−HK$10,264/mo
▼ 0.25% · 3.875%
HK$168,772
−HK$5,173/mo
Today · 4.125%
HK$173,945
baseline
▲ 0.50% · 4.625%
HK$184,529
+HK$10,584/mo
Deposit HK$35.89M · loan HK$35.89M · min. income ≈ HK$347,890/mo (50% DSR)
Upfront cash ≈ HK$38.94M (deposit + AVD stamp duty HK$3,050,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,093
−HK$9,838/mo
▼ 0.25% · 3.875%
HK$186,977
−HK$4,954/mo
Today · 4.125%
HK$191,931
baseline
▲ 0.50% · 4.625%
HK$202,048
+HK$10,117/mo
Deposit HK$35.89M · loan HK$35.89M · min. income ≈ HK$383,862/mo (50% DSR)
Upfront cash ≈ HK$38.94M (deposit + AVD stamp duty HK$3,050,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,417
−HK$12,317/mo
▼ 0.25% · 3.875%
HK$202,527
−HK$6,207/mo
Today · 4.125%
HK$208,734
baseline
▲ 0.50% · 4.625%
HK$221,435
+HK$12,701/mo
Deposit HK$28.71M · loan HK$43.07M · min. income ≈ HK$417,468/mo (50% DSR)
Upfront cash ≈ HK$31.76M (deposit + AVD stamp duty HK$3,050,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,512
−HK$11,805/mo
▼ 0.25% · 3.875%
HK$224,372
−HK$5,945/mo
Today · 4.125%
HK$230,317
baseline
▲ 0.50% · 4.625%
HK$242,458
+HK$12,141/mo
Deposit HK$28.71M · loan HK$43.07M · min. income ≈ HK$460,634/mo (50% DSR)
Upfront cash ≈ HK$31.76M (deposit + AVD stamp duty HK$3,050,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,153
−HK$14,370/mo
▼ 0.25% · 3.875%
HK$236,281
−HK$7,242/mo
Today · 4.125%
HK$243,523
baseline
▲ 0.50% · 4.625%
HK$258,341
+HK$14,818/mo
Deposit HK$21.53M · loan HK$50.25M · min. income ≈ HK$487,046/mo (50% DSR)
Upfront cash ≈ HK$24.59M (deposit + AVD stamp duty HK$3,050,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,931
−HK$13,773/mo
▼ 0.25% · 3.875%
HK$261,768
−HK$6,936/mo
Today · 4.125%
HK$268,704
baseline
▲ 0.50% · 4.625%
HK$282,867
+HK$14,163/mo
Deposit HK$21.53M · loan HK$50.25M · min. income ≈ HK$537,408/mo (50% DSR)
Upfront cash ≈ HK$24.59M (deposit + AVD stamp duty HK$3,050,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,625
−HK$18,476/mo
▼ 0.25% · 3.875%
HK$303,790
−HK$9,311/mo
Today · 4.125%
HK$313,101
baseline
▲ 0.50% · 4.625%
HK$332,152
+HK$19,051/mo
Deposit HK$7.18M · loan HK$64.60M · min. income ≈ HK$626,202/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$3,050,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$327,768
−HK$17,708/mo
▼ 0.25% · 3.875%
HK$336,558
−HK$8,918/mo
Today · 4.125%
HK$345,476
baseline
▲ 0.50% · 4.625%
HK$363,687
+HK$18,211/mo
Deposit HK$7.18M · loan HK$64.60M · min. income ≈ HK$690,952/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$3,050,724 · Scale 2, in force from 26 Feb 2026)