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$161,101
−HK$10,102/mo
▼ 0.25% · 3.875%
HK$166,112
−HK$5,091/mo
Today · 4.125%
HK$171,203
baseline
▲ 0.50% · 4.625%
HK$181,620
+HK$10,417/mo
Deposit HK$35.33M · loan HK$35.33M · min. income ≈ HK$342,406/mo (50% DSR)
Upfront cash ≈ HK$38.33M (deposit + AVD stamp duty HK$3,002,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,223
−HK$9,683/mo
▼ 0.25% · 3.875%
HK$184,030
−HK$4,876/mo
Today · 4.125%
HK$188,906
baseline
▲ 0.50% · 4.625%
HK$198,863
+HK$9,957/mo
Deposit HK$35.33M · loan HK$35.33M · min. income ≈ HK$377,812/mo (50% DSR)
Upfront cash ≈ HK$38.33M (deposit + AVD stamp duty HK$3,002,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,321
−HK$12,123/mo
▼ 0.25% · 3.875%
HK$199,334
−HK$6,110/mo
Today · 4.125%
HK$205,444
baseline
▲ 0.50% · 4.625%
HK$217,944
+HK$12,500/mo
Deposit HK$28.26M · loan HK$42.39M · min. income ≈ HK$410,888/mo (50% DSR)
Upfront cash ≈ HK$31.26M (deposit + AVD stamp duty HK$3,002,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,067
−HK$11,620/mo
▼ 0.25% · 3.875%
HK$220,835
−HK$5,852/mo
Today · 4.125%
HK$226,687
baseline
▲ 0.50% · 4.625%
HK$238,636
+HK$11,949/mo
Deposit HK$28.26M · loan HK$42.39M · min. income ≈ HK$453,374/mo (50% DSR)
Upfront cash ≈ HK$31.26M (deposit + AVD stamp duty HK$3,002,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,541
−HK$14,143/mo
▼ 0.25% · 3.875%
HK$232,557
−HK$7,127/mo
Today · 4.125%
HK$239,684
baseline
▲ 0.50% · 4.625%
HK$254,269
+HK$14,585/mo
Deposit HK$21.20M · loan HK$49.46M · min. income ≈ HK$479,368/mo (50% DSR)
Upfront cash ≈ HK$24.20M (deposit + AVD stamp duty HK$3,002,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,912
−HK$13,556/mo
▼ 0.25% · 3.875%
HK$257,641
−HK$6,827/mo
Today · 4.125%
HK$264,468
baseline
▲ 0.50% · 4.625%
HK$278,408
+HK$13,940/mo
Deposit HK$21.20M · loan HK$49.46M · min. income ≈ HK$528,936/mo (50% DSR)
Upfront cash ≈ HK$24.20M (deposit + AVD stamp duty HK$3,002,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,981
−HK$18,185/mo
▼ 0.25% · 3.875%
HK$299,001
−HK$9,165/mo
Today · 4.125%
HK$308,166
baseline
▲ 0.50% · 4.625%
HK$326,917
+HK$18,751/mo
Deposit HK$7.07M · loan HK$63.59M · min. income ≈ HK$616,332/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$3,002,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$322,601
−HK$17,429/mo
▼ 0.25% · 3.875%
HK$331,253
−HK$8,777/mo
Today · 4.125%
HK$340,030
baseline
▲ 0.50% · 4.625%
HK$357,954
+HK$17,924/mo
Deposit HK$7.07M · loan HK$63.59M · min. income ≈ HK$680,060/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$3,002,635 · Scale 2, in force from 26 Feb 2026)