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$164,525
−HK$10,317/mo
▼ 0.25% · 3.875%
HK$169,642
−HK$5,200/mo
Today · 4.125%
HK$174,842
baseline
▲ 0.50% · 4.625%
HK$185,481
+HK$10,639/mo
Deposit HK$36.08M · loan HK$36.08M · min. income ≈ HK$349,684/mo (50% DSR)
Upfront cash ≈ HK$39.14M (deposit + AVD stamp duty HK$3,066,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,032
−HK$9,889/mo
▼ 0.25% · 3.875%
HK$187,941
−HK$4,980/mo
Today · 4.125%
HK$192,921
baseline
▲ 0.50% · 4.625%
HK$203,090
+HK$10,169/mo
Deposit HK$36.08M · loan HK$36.08M · min. income ≈ HK$385,842/mo (50% DSR)
Upfront cash ≈ HK$39.14M (deposit + AVD stamp duty HK$3,066,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,430
−HK$12,380/mo
▼ 0.25% · 3.875%
HK$203,571
−HK$6,239/mo
Today · 4.125%
HK$209,810
baseline
▲ 0.50% · 4.625%
HK$222,577
+HK$12,767/mo
Deposit HK$28.86M · loan HK$43.29M · min. income ≈ HK$419,620/mo (50% DSR)
Upfront cash ≈ HK$31.93M (deposit + AVD stamp duty HK$3,066,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,639
−HK$11,866/mo
▼ 0.25% · 3.875%
HK$225,529
−HK$5,976/mo
Today · 4.125%
HK$231,505
baseline
▲ 0.50% · 4.625%
HK$243,708
+HK$12,203/mo
Deposit HK$28.86M · loan HK$43.29M · min. income ≈ HK$463,010/mo (50% DSR)
Upfront cash ≈ HK$31.93M (deposit + AVD stamp duty HK$3,066,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,335
−HK$14,444/mo
▼ 0.25% · 3.875%
HK$237,499
−HK$7,280/mo
Today · 4.125%
HK$244,779
baseline
▲ 0.50% · 4.625%
HK$259,673
+HK$14,894/mo
Deposit HK$21.65M · loan HK$50.51M · min. income ≈ HK$489,558/mo (50% DSR)
Upfront cash ≈ HK$24.71M (deposit + AVD stamp duty HK$3,066,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,245
−HK$13,844/mo
▼ 0.25% · 3.875%
HK$263,117
−HK$6,972/mo
Today · 4.125%
HK$270,089
baseline
▲ 0.50% · 4.625%
HK$284,326
+HK$14,237/mo
Deposit HK$21.65M · loan HK$50.51M · min. income ≈ HK$540,178/mo (50% DSR)
Upfront cash ≈ HK$24.71M (deposit + AVD stamp duty HK$3,066,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,145
−HK$18,571/mo
▼ 0.25% · 3.875%
HK$305,356
−HK$9,360/mo
Today · 4.125%
HK$314,716
baseline
▲ 0.50% · 4.625%
HK$333,865
+HK$19,149/mo
Deposit HK$7.22M · loan HK$64.94M · min. income ≈ HK$629,432/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$3,066,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$329,458
−HK$17,800/mo
▼ 0.25% · 3.875%
HK$338,294
−HK$8,964/mo
Today · 4.125%
HK$347,258
baseline
▲ 0.50% · 4.625%
HK$365,562
+HK$18,304/mo
Deposit HK$7.22M · loan HK$64.94M · min. income ≈ HK$694,516/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$3,066,456 · Scale 2, in force from 26 Feb 2026)