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$161,445
−HK$10,124/mo
▼ 0.25% · 3.875%
HK$166,467
−HK$5,102/mo
Today · 4.125%
HK$171,569
baseline
▲ 0.50% · 4.625%
HK$182,008
+HK$10,439/mo
Deposit HK$35.40M · loan HK$35.40M · min. income ≈ HK$343,138/mo (50% DSR)
Upfront cash ≈ HK$38.41M (deposit + AVD stamp duty HK$3,009,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,606
−HK$9,703/mo
▼ 0.25% · 3.875%
HK$184,423
−HK$4,886/mo
Today · 4.125%
HK$189,309
baseline
▲ 0.50% · 4.625%
HK$199,288
+HK$9,979/mo
Deposit HK$35.40M · loan HK$35.40M · min. income ≈ HK$378,618/mo (50% DSR)
Upfront cash ≈ HK$38.41M (deposit + AVD stamp duty HK$3,009,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,734
−HK$12,148/mo
▼ 0.25% · 3.875%
HK$199,760
−HK$6,122/mo
Today · 4.125%
HK$205,882
baseline
▲ 0.50% · 4.625%
HK$218,410
+HK$12,528/mo
Deposit HK$28.32M · loan HK$42.48M · min. income ≈ HK$411,764/mo (50% DSR)
Upfront cash ≈ HK$31.33M (deposit + AVD stamp duty HK$3,009,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,527
−HK$11,644/mo
▼ 0.25% · 3.875%
HK$221,307
−HK$5,864/mo
Today · 4.125%
HK$227,171
baseline
▲ 0.50% · 4.625%
HK$239,145
+HK$11,974/mo
Deposit HK$28.32M · loan HK$42.48M · min. income ≈ HK$454,342/mo (50% DSR)
Upfront cash ≈ HK$31.33M (deposit + AVD stamp duty HK$3,009,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,023
−HK$14,173/mo
▼ 0.25% · 3.875%
HK$233,053
−HK$7,143/mo
Today · 4.125%
HK$240,196
baseline
▲ 0.50% · 4.625%
HK$254,812
+HK$14,616/mo
Deposit HK$21.24M · loan HK$49.56M · min. income ≈ HK$480,392/mo (50% DSR)
Upfront cash ≈ HK$24.25M (deposit + AVD stamp duty HK$3,009,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,448
−HK$13,585/mo
▼ 0.25% · 3.875%
HK$258,192
−HK$6,841/mo
Today · 4.125%
HK$265,033
baseline
▲ 0.50% · 4.625%
HK$279,003
+HK$13,970/mo
Deposit HK$21.24M · loan HK$49.56M · min. income ≈ HK$530,066/mo (50% DSR)
Upfront cash ≈ HK$24.25M (deposit + AVD stamp duty HK$3,009,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,600
−HK$18,224/mo
▼ 0.25% · 3.875%
HK$299,640
−HK$9,184/mo
Today · 4.125%
HK$308,824
baseline
▲ 0.50% · 4.625%
HK$327,615
+HK$18,791/mo
Deposit HK$7.08M · loan HK$63.72M · min. income ≈ HK$617,648/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$3,009,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,290
−HK$17,466/mo
▼ 0.25% · 3.875%
HK$331,961
−HK$8,795/mo
Today · 4.125%
HK$340,756
baseline
▲ 0.50% · 4.625%
HK$358,718
+HK$17,962/mo
Deposit HK$7.08M · loan HK$63.72M · min. income ≈ HK$681,512/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$3,009,048 · Scale 2, in force from 26 Feb 2026)