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$164,174
−HK$10,295/mo
▼ 0.25% · 3.875%
HK$169,281
−HK$5,188/mo
Today · 4.125%
HK$174,469
baseline
▲ 0.50% · 4.625%
HK$185,085
+HK$10,616/mo
Deposit HK$36.00M · loan HK$36.00M · min. income ≈ HK$348,938/mo (50% DSR)
Upfront cash ≈ HK$39.06M (deposit + AVD stamp duty HK$3,059,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,642
−HK$9,868/mo
▼ 0.25% · 3.875%
HK$187,541
−HK$4,969/mo
Today · 4.125%
HK$192,510
baseline
▲ 0.50% · 4.625%
HK$202,657
+HK$10,147/mo
Deposit HK$36.00M · loan HK$36.00M · min. income ≈ HK$385,020/mo (50% DSR)
Upfront cash ≈ HK$39.06M (deposit + AVD stamp duty HK$3,059,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,009
−HK$12,354/mo
▼ 0.25% · 3.875%
HK$203,137
−HK$6,226/mo
Today · 4.125%
HK$209,363
baseline
▲ 0.50% · 4.625%
HK$222,103
+HK$12,740/mo
Deposit HK$28.80M · loan HK$43.20M · min. income ≈ HK$418,726/mo (50% DSR)
Upfront cash ≈ HK$31.86M (deposit + AVD stamp duty HK$3,059,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,171
−HK$11,841/mo
▼ 0.25% · 3.875%
HK$225,049
−HK$5,963/mo
Today · 4.125%
HK$231,012
baseline
▲ 0.50% · 4.625%
HK$243,189
+HK$12,177/mo
Deposit HK$28.80M · loan HK$43.20M · min. income ≈ HK$462,024/mo (50% DSR)
Upfront cash ≈ HK$31.86M (deposit + AVD stamp duty HK$3,059,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,844
−HK$14,413/mo
▼ 0.25% · 3.875%
HK$236,993
−HK$7,264/mo
Today · 4.125%
HK$244,257
baseline
▲ 0.50% · 4.625%
HK$259,120
+HK$14,863/mo
Deposit HK$21.60M · loan HK$50.40M · min. income ≈ HK$488,514/mo (50% DSR)
Upfront cash ≈ HK$24.66M (deposit + AVD stamp duty HK$3,059,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,699
−HK$13,815/mo
▼ 0.25% · 3.875%
HK$262,557
−HK$6,957/mo
Today · 4.125%
HK$269,514
baseline
▲ 0.50% · 4.625%
HK$283,720
+HK$14,206/mo
Deposit HK$21.60M · loan HK$50.40M · min. income ≈ HK$539,028/mo (50% DSR)
Upfront cash ≈ HK$24.66M (deposit + AVD stamp duty HK$3,059,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,514
−HK$18,531/mo
▼ 0.25% · 3.875%
HK$304,706
−HK$9,339/mo
Today · 4.125%
HK$314,045
baseline
▲ 0.50% · 4.625%
HK$333,154
+HK$19,109/mo
Deposit HK$7.20M · loan HK$64.80M · min. income ≈ HK$628,090/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$3,059,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,756
−HK$17,762/mo
▼ 0.25% · 3.875%
HK$337,573
−HK$8,945/mo
Today · 4.125%
HK$346,518
baseline
▲ 0.50% · 4.625%
HK$364,783
+HK$18,265/mo
Deposit HK$7.20M · loan HK$64.80M · min. income ≈ HK$693,036/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$3,059,921 · Scale 2, in force from 26 Feb 2026)