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$164,434
−HK$10,312/mo
▼ 0.25% · 3.875%
HK$169,549
−HK$5,197/mo
Today · 4.125%
HK$174,746
baseline
▲ 0.50% · 4.625%
HK$185,379
+HK$10,633/mo
Deposit HK$36.06M · loan HK$36.06M · min. income ≈ HK$349,492/mo (50% DSR)
Upfront cash ≈ HK$39.12M (deposit + AVD stamp duty HK$3,064,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,932
−HK$9,883/mo
▼ 0.25% · 3.875%
HK$187,838
−HK$4,977/mo
Today · 4.125%
HK$192,815
baseline
▲ 0.50% · 4.625%
HK$202,978
+HK$10,163/mo
Deposit HK$36.06M · loan HK$36.06M · min. income ≈ HK$385,630/mo (50% DSR)
Upfront cash ≈ HK$39.12M (deposit + AVD stamp duty HK$3,064,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,321
−HK$12,374/mo
▼ 0.25% · 3.875%
HK$203,459
−HK$6,236/mo
Today · 4.125%
HK$209,695
baseline
▲ 0.50% · 4.625%
HK$222,454
+HK$12,759/mo
Deposit HK$28.84M · loan HK$43.27M · min. income ≈ HK$419,390/mo (50% DSR)
Upfront cash ≈ HK$31.91M (deposit + AVD stamp duty HK$3,064,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,518
−HK$11,860/mo
▼ 0.25% · 3.875%
HK$225,405
−HK$5,973/mo
Today · 4.125%
HK$231,378
baseline
▲ 0.50% · 4.625%
HK$243,574
+HK$12,196/mo
Deposit HK$28.84M · loan HK$43.27M · min. income ≈ HK$462,756/mo (50% DSR)
Upfront cash ≈ HK$31.91M (deposit + AVD stamp duty HK$3,064,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,208
−HK$14,436/mo
▼ 0.25% · 3.875%
HK$237,369
−HK$7,275/mo
Today · 4.125%
HK$244,644
baseline
▲ 0.50% · 4.625%
HK$259,530
+HK$14,886/mo
Deposit HK$21.63M · loan HK$50.48M · min. income ≈ HK$489,288/mo (50% DSR)
Upfront cash ≈ HK$24.70M (deposit + AVD stamp duty HK$3,064,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,104
−HK$13,837/mo
▼ 0.25% · 3.875%
HK$262,973
−HK$6,968/mo
Today · 4.125%
HK$269,941
baseline
▲ 0.50% · 4.625%
HK$284,170
+HK$14,229/mo
Deposit HK$21.63M · loan HK$50.48M · min. income ≈ HK$539,882/mo (50% DSR)
Upfront cash ≈ HK$24.70M (deposit + AVD stamp duty HK$3,064,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,982
−HK$18,560/mo
▼ 0.25% · 3.875%
HK$305,189
−HK$9,353/mo
Today · 4.125%
HK$314,542
baseline
▲ 0.50% · 4.625%
HK$333,682
+HK$19,140/mo
Deposit HK$7.21M · loan HK$64.90M · min. income ≈ HK$629,084/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$3,064,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$329,277
−HK$17,790/mo
▼ 0.25% · 3.875%
HK$338,108
−HK$8,959/mo
Today · 4.125%
HK$347,067
baseline
▲ 0.50% · 4.625%
HK$365,361
+HK$18,294/mo
Deposit HK$7.21M · loan HK$64.90M · min. income ≈ HK$694,134/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$3,064,770 · Scale 2, in force from 26 Feb 2026)