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$161,472
−HK$10,126/mo
▼ 0.25% · 3.875%
HK$166,495
−HK$5,103/mo
Today · 4.125%
HK$171,598
baseline
▲ 0.50% · 4.625%
HK$182,039
+HK$10,441/mo
Deposit HK$35.41M · loan HK$35.41M · min. income ≈ HK$343,196/mo (50% DSR)
Upfront cash ≈ HK$38.42M (deposit + AVD stamp duty HK$3,009,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,636
−HK$9,705/mo
▼ 0.25% · 3.875%
HK$184,454
−HK$4,887/mo
Today · 4.125%
HK$189,341
baseline
▲ 0.50% · 4.625%
HK$199,322
+HK$9,981/mo
Deposit HK$35.41M · loan HK$35.41M · min. income ≈ HK$378,682/mo (50% DSR)
Upfront cash ≈ HK$38.42M (deposit + AVD stamp duty HK$3,009,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,766
−HK$12,151/mo
▼ 0.25% · 3.875%
HK$199,794
−HK$6,123/mo
Today · 4.125%
HK$205,917
baseline
▲ 0.50% · 4.625%
HK$218,447
+HK$12,530/mo
Deposit HK$28.33M · loan HK$42.49M · min. income ≈ HK$411,834/mo (50% DSR)
Upfront cash ≈ HK$31.33M (deposit + AVD stamp duty HK$3,009,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,563
−HK$11,646/mo
▼ 0.25% · 3.875%
HK$221,345
−HK$5,864/mo
Today · 4.125%
HK$227,209
baseline
▲ 0.50% · 4.625%
HK$239,186
+HK$11,977/mo
Deposit HK$28.33M · loan HK$42.49M · min. income ≈ HK$454,418/mo (50% DSR)
Upfront cash ≈ HK$31.33M (deposit + AVD stamp duty HK$3,009,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,061
−HK$14,176/mo
▼ 0.25% · 3.875%
HK$233,093
−HK$7,144/mo
Today · 4.125%
HK$240,237
baseline
▲ 0.50% · 4.625%
HK$254,855
+HK$14,618/mo
Deposit HK$21.24M · loan HK$49.57M · min. income ≈ HK$480,474/mo (50% DSR)
Upfront cash ≈ HK$24.25M (deposit + AVD stamp duty HK$3,009,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,490
−HK$13,588/mo
▼ 0.25% · 3.875%
HK$258,235
−HK$6,843/mo
Today · 4.125%
HK$265,078
baseline
▲ 0.50% · 4.625%
HK$279,050
+HK$13,972/mo
Deposit HK$21.24M · loan HK$49.57M · min. income ≈ HK$530,156/mo (50% DSR)
Upfront cash ≈ HK$24.25M (deposit + AVD stamp duty HK$3,009,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,650
−HK$18,226/mo
▼ 0.25% · 3.875%
HK$299,691
−HK$9,185/mo
Today · 4.125%
HK$308,876
baseline
▲ 0.50% · 4.625%
HK$327,670
+HK$18,794/mo
Deposit HK$7.08M · loan HK$63.73M · min. income ≈ HK$617,752/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$3,009,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,345
−HK$17,469/mo
▼ 0.25% · 3.875%
HK$332,017
−HK$8,797/mo
Today · 4.125%
HK$340,814
baseline
▲ 0.50% · 4.625%
HK$358,779
+HK$17,965/mo
Deposit HK$7.08M · loan HK$63.73M · min. income ≈ HK$681,628/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$3,009,557 · Scale 2, in force from 26 Feb 2026)