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$161,412
−HK$10,122/mo
▼ 0.25% · 3.875%
HK$166,433
−HK$5,101/mo
Today · 4.125%
HK$171,534
baseline
▲ 0.50% · 4.625%
HK$181,971
+HK$10,437/mo
Deposit HK$35.39M · loan HK$35.39M · min. income ≈ HK$343,068/mo (50% DSR)
Upfront cash ≈ HK$38.40M (deposit + AVD stamp duty HK$3,008,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,569
−HK$9,701/mo
▼ 0.25% · 3.875%
HK$184,385
−HK$4,885/mo
Today · 4.125%
HK$189,270
baseline
▲ 0.50% · 4.625%
HK$199,247
+HK$9,977/mo
Deposit HK$35.39M · loan HK$35.39M · min. income ≈ HK$378,540/mo (50% DSR)
Upfront cash ≈ HK$38.40M (deposit + AVD stamp duty HK$3,008,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,694
−HK$12,146/mo
▼ 0.25% · 3.875%
HK$199,719
−HK$6,121/mo
Today · 4.125%
HK$205,840
baseline
▲ 0.50% · 4.625%
HK$218,365
+HK$12,525/mo
Deposit HK$28.31M · loan HK$42.47M · min. income ≈ HK$411,680/mo (50% DSR)
Upfront cash ≈ HK$31.32M (deposit + AVD stamp duty HK$3,008,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,483
−HK$11,642/mo
▼ 0.25% · 3.875%
HK$221,262
−HK$5,863/mo
Today · 4.125%
HK$227,125
baseline
▲ 0.50% · 4.625%
HK$239,097
+HK$11,972/mo
Deposit HK$28.31M · loan HK$42.47M · min. income ≈ HK$454,250/mo (50% DSR)
Upfront cash ≈ HK$31.32M (deposit + AVD stamp duty HK$3,008,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,976
−HK$14,171/mo
▼ 0.25% · 3.875%
HK$233,006
−HK$7,141/mo
Today · 4.125%
HK$240,147
baseline
▲ 0.50% · 4.625%
HK$254,759
+HK$14,612/mo
Deposit HK$21.24M · loan HK$49.55M · min. income ≈ HK$480,294/mo (50% DSR)
Upfront cash ≈ HK$24.24M (deposit + AVD stamp duty HK$3,008,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,396
−HK$13,583/mo
▼ 0.25% · 3.875%
HK$258,139
−HK$6,840/mo
Today · 4.125%
HK$264,979
baseline
▲ 0.50% · 4.625%
HK$278,946
+HK$13,967/mo
Deposit HK$21.24M · loan HK$49.55M · min. income ≈ HK$529,958/mo (50% DSR)
Upfront cash ≈ HK$24.24M (deposit + AVD stamp duty HK$3,008,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,541
−HK$18,220/mo
▼ 0.25% · 3.875%
HK$299,579
−HK$9,182/mo
Today · 4.125%
HK$308,761
baseline
▲ 0.50% · 4.625%
HK$327,548
+HK$18,787/mo
Deposit HK$7.08M · loan HK$63.71M · min. income ≈ HK$617,522/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$3,008,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,224
−HK$17,463/mo
▼ 0.25% · 3.875%
HK$331,893
−HK$8,794/mo
Today · 4.125%
HK$340,687
baseline
▲ 0.50% · 4.625%
HK$358,645
+HK$17,958/mo
Deposit HK$7.08M · loan HK$63.71M · min. income ≈ HK$681,374/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$3,008,433 · Scale 2, in force from 26 Feb 2026)