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$161,447
−HK$10,124/mo
▼ 0.25% · 3.875%
HK$166,469
−HK$5,102/mo
Today · 4.125%
HK$171,571
baseline
▲ 0.50% · 4.625%
HK$182,011
+HK$10,440/mo
Deposit HK$35.40M · loan HK$35.40M · min. income ≈ HK$343,142/mo (50% DSR)
Upfront cash ≈ HK$38.41M (deposit + AVD stamp duty HK$3,009,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,608
−HK$9,703/mo
▼ 0.25% · 3.875%
HK$184,425
−HK$4,886/mo
Today · 4.125%
HK$189,311
baseline
▲ 0.50% · 4.625%
HK$199,290
+HK$9,979/mo
Deposit HK$35.40M · loan HK$35.40M · min. income ≈ HK$378,622/mo (50% DSR)
Upfront cash ≈ HK$38.41M (deposit + AVD stamp duty HK$3,009,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,736
−HK$12,149/mo
▼ 0.25% · 3.875%
HK$199,762
−HK$6,123/mo
Today · 4.125%
HK$205,885
baseline
▲ 0.50% · 4.625%
HK$218,413
+HK$12,528/mo
Deposit HK$28.32M · loan HK$42.48M · min. income ≈ HK$411,770/mo (50% DSR)
Upfront cash ≈ HK$31.33M (deposit + AVD stamp duty HK$3,009,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,529
−HK$11,645/mo
▼ 0.25% · 3.875%
HK$221,310
−HK$5,864/mo
Today · 4.125%
HK$227,174
baseline
▲ 0.50% · 4.625%
HK$239,148
+HK$11,974/mo
Deposit HK$28.32M · loan HK$42.48M · min. income ≈ HK$454,348/mo (50% DSR)
Upfront cash ≈ HK$31.33M (deposit + AVD stamp duty HK$3,009,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,025
−HK$14,174/mo
▼ 0.25% · 3.875%
HK$233,056
−HK$7,143/mo
Today · 4.125%
HK$240,199
baseline
▲ 0.50% · 4.625%
HK$254,815
+HK$14,616/mo
Deposit HK$21.24M · loan HK$49.56M · min. income ≈ HK$480,398/mo (50% DSR)
Upfront cash ≈ HK$24.25M (deposit + AVD stamp duty HK$3,009,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,451
−HK$13,585/mo
▼ 0.25% · 3.875%
HK$258,195
−HK$6,841/mo
Today · 4.125%
HK$265,036
baseline
▲ 0.50% · 4.625%
HK$279,007
+HK$13,971/mo
Deposit HK$21.24M · loan HK$49.56M · min. income ≈ HK$530,072/mo (50% DSR)
Upfront cash ≈ HK$24.25M (deposit + AVD stamp duty HK$3,009,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,604
−HK$18,224/mo
▼ 0.25% · 3.875%
HK$299,644
−HK$9,184/mo
Today · 4.125%
HK$308,828
baseline
▲ 0.50% · 4.625%
HK$327,619
+HK$18,791/mo
Deposit HK$7.08M · loan HK$63.72M · min. income ≈ HK$617,656/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$3,009,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,294
−HK$17,467/mo
▼ 0.25% · 3.875%
HK$331,965
−HK$8,796/mo
Today · 4.125%
HK$340,761
baseline
▲ 0.50% · 4.625%
HK$358,723
+HK$17,962/mo
Deposit HK$7.08M · loan HK$63.72M · min. income ≈ HK$681,522/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$3,009,085 · Scale 2, in force from 26 Feb 2026)