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$161,362
−HK$10,119/mo
▼ 0.25% · 3.875%
HK$166,381
−HK$5,100/mo
Today · 4.125%
HK$171,481
baseline
▲ 0.50% · 4.625%
HK$181,915
+HK$10,434/mo
Deposit HK$35.38M · loan HK$35.38M · min. income ≈ HK$342,962/mo (50% DSR)
Upfront cash ≈ HK$38.39M (deposit + AVD stamp duty HK$3,007,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,513
−HK$9,699/mo
▼ 0.25% · 3.875%
HK$184,328
−HK$4,884/mo
Today · 4.125%
HK$189,212
baseline
▲ 0.50% · 4.625%
HK$199,186
+HK$9,974/mo
Deposit HK$35.38M · loan HK$35.38M · min. income ≈ HK$378,424/mo (50% DSR)
Upfront cash ≈ HK$38.39M (deposit + AVD stamp duty HK$3,007,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,634
−HK$12,143/mo
▼ 0.25% · 3.875%
HK$199,657
−HK$6,120/mo
Today · 4.125%
HK$205,777
baseline
▲ 0.50% · 4.625%
HK$218,298
+HK$12,521/mo
Deposit HK$28.31M · loan HK$42.46M · min. income ≈ HK$411,554/mo (50% DSR)
Upfront cash ≈ HK$31.31M (deposit + AVD stamp duty HK$3,007,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,416
−HK$11,638/mo
▼ 0.25% · 3.875%
HK$221,194
−HK$5,860/mo
Today · 4.125%
HK$227,054
baseline
▲ 0.50% · 4.625%
HK$239,023
+HK$11,969/mo
Deposit HK$28.31M · loan HK$42.46M · min. income ≈ HK$454,108/mo (50% DSR)
Upfront cash ≈ HK$31.31M (deposit + AVD stamp duty HK$3,007,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,907
−HK$14,166/mo
▼ 0.25% · 3.875%
HK$232,934
−HK$7,139/mo
Today · 4.125%
HK$240,073
baseline
▲ 0.50% · 4.625%
HK$254,681
+HK$14,608/mo
Deposit HK$21.23M · loan HK$49.54M · min. income ≈ HK$480,146/mo (50% DSR)
Upfront cash ≈ HK$24.24M (deposit + AVD stamp duty HK$3,007,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,319
−HK$13,578/mo
▼ 0.25% · 3.875%
HK$258,059
−HK$6,838/mo
Today · 4.125%
HK$264,897
baseline
▲ 0.50% · 4.625%
HK$278,860
+HK$13,963/mo
Deposit HK$21.23M · loan HK$49.54M · min. income ≈ HK$529,794/mo (50% DSR)
Upfront cash ≈ HK$24.24M (deposit + AVD stamp duty HK$3,007,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,451
−HK$18,214/mo
▼ 0.25% · 3.875%
HK$299,486
−HK$9,179/mo
Today · 4.125%
HK$308,665
baseline
▲ 0.50% · 4.625%
HK$327,447
+HK$18,782/mo
Deposit HK$7.08M · loan HK$63.69M · min. income ≈ HK$617,330/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$3,007,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,124
−HK$17,458/mo
▼ 0.25% · 3.875%
HK$331,790
−HK$8,792/mo
Today · 4.125%
HK$340,582
baseline
▲ 0.50% · 4.625%
HK$358,534
+HK$17,952/mo
Deposit HK$7.08M · loan HK$63.69M · min. income ≈ HK$681,164/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$3,007,504 · Scale 2, in force from 26 Feb 2026)