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$161,134
−HK$10,105/mo
▼ 0.25% · 3.875%
HK$166,147
−HK$5,092/mo
Today · 4.125%
HK$171,239
baseline
▲ 0.50% · 4.625%
HK$181,658
+HK$10,419/mo
Deposit HK$35.33M · loan HK$35.33M · min. income ≈ HK$342,478/mo (50% DSR)
Upfront cash ≈ HK$38.34M (deposit + AVD stamp duty HK$3,003,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,260
−HK$9,685/mo
▼ 0.25% · 3.875%
HK$184,068
−HK$4,877/mo
Today · 4.125%
HK$188,945
baseline
▲ 0.50% · 4.625%
HK$198,905
+HK$9,960/mo
Deposit HK$35.33M · loan HK$35.33M · min. income ≈ HK$377,890/mo (50% DSR)
Upfront cash ≈ HK$38.34M (deposit + AVD stamp duty HK$3,003,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,361
−HK$12,126/mo
▼ 0.25% · 3.875%
HK$199,376
−HK$6,111/mo
Today · 4.125%
HK$205,487
baseline
▲ 0.50% · 4.625%
HK$217,990
+HK$12,503/mo
Deposit HK$28.27M · loan HK$42.40M · min. income ≈ HK$410,974/mo (50% DSR)
Upfront cash ≈ HK$31.27M (deposit + AVD stamp duty HK$3,003,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,112
−HK$11,622/mo
▼ 0.25% · 3.875%
HK$220,882
−HK$5,852/mo
Today · 4.125%
HK$226,734
baseline
▲ 0.50% · 4.625%
HK$238,686
+HK$11,952/mo
Deposit HK$28.27M · loan HK$42.40M · min. income ≈ HK$453,468/mo (50% DSR)
Upfront cash ≈ HK$31.27M (deposit + AVD stamp duty HK$3,003,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,588
−HK$14,146/mo
▼ 0.25% · 3.875%
HK$232,605
−HK$7,129/mo
Today · 4.125%
HK$239,734
baseline
▲ 0.50% · 4.625%
HK$254,322
+HK$14,588/mo
Deposit HK$21.20M · loan HK$49.47M · min. income ≈ HK$479,468/mo (50% DSR)
Upfront cash ≈ HK$24.20M (deposit + AVD stamp duty HK$3,003,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,964
−HK$13,559/mo
▼ 0.25% · 3.875%
HK$257,695
−HK$6,828/mo
Today · 4.125%
HK$264,523
baseline
▲ 0.50% · 4.625%
HK$278,467
+HK$13,944/mo
Deposit HK$21.20M · loan HK$49.47M · min. income ≈ HK$529,046/mo (50% DSR)
Upfront cash ≈ HK$24.20M (deposit + AVD stamp duty HK$3,003,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,042
−HK$18,188/mo
▼ 0.25% · 3.875%
HK$299,064
−HK$9,166/mo
Today · 4.125%
HK$308,230
baseline
▲ 0.50% · 4.625%
HK$326,985
+HK$18,755/mo
Deposit HK$7.07M · loan HK$63.60M · min. income ≈ HK$616,460/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$3,003,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$322,669
−HK$17,432/mo
▼ 0.25% · 3.875%
HK$331,322
−HK$8,779/mo
Today · 4.125%
HK$340,101
baseline
▲ 0.50% · 4.625%
HK$358,029
+HK$17,928/mo
Deposit HK$7.07M · loan HK$63.60M · min. income ≈ HK$680,202/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$3,003,263 · Scale 2, in force from 26 Feb 2026)