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$160,309
−HK$10,053/mo
▼ 0.25% · 3.875%
HK$165,296
−HK$5,066/mo
Today · 4.125%
HK$170,362
baseline
▲ 0.50% · 4.625%
HK$180,728
+HK$10,366/mo
Deposit HK$35.15M · loan HK$35.15M · min. income ≈ HK$340,724/mo (50% DSR)
Upfront cash ≈ HK$38.14M (deposit + AVD stamp duty HK$2,987,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,342
−HK$9,636/mo
▼ 0.25% · 3.875%
HK$183,125
−HK$4,853/mo
Today · 4.125%
HK$187,978
baseline
▲ 0.50% · 4.625%
HK$197,886
+HK$9,908/mo
Deposit HK$35.15M · loan HK$35.15M · min. income ≈ HK$375,956/mo (50% DSR)
Upfront cash ≈ HK$38.14M (deposit + AVD stamp duty HK$2,987,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,371
−HK$12,063/mo
▼ 0.25% · 3.875%
HK$198,355
−HK$6,079/mo
Today · 4.125%
HK$204,434
baseline
▲ 0.50% · 4.625%
HK$216,874
+HK$12,440/mo
Deposit HK$28.12M · loan HK$42.18M · min. income ≈ HK$408,868/mo (50% DSR)
Upfront cash ≈ HK$31.11M (deposit + AVD stamp duty HK$2,987,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,011
−HK$11,562/mo
▼ 0.25% · 3.875%
HK$219,751
−HK$5,822/mo
Today · 4.125%
HK$225,573
baseline
▲ 0.50% · 4.625%
HK$237,464
+HK$11,891/mo
Deposit HK$28.12M · loan HK$42.18M · min. income ≈ HK$451,146/mo (50% DSR)
Upfront cash ≈ HK$31.11M (deposit + AVD stamp duty HK$2,987,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,433
−HK$14,074/mo
▼ 0.25% · 3.875%
HK$231,414
−HK$7,093/mo
Today · 4.125%
HK$238,507
baseline
▲ 0.50% · 4.625%
HK$253,019
+HK$14,512/mo
Deposit HK$21.09M · loan HK$49.21M · min. income ≈ HK$477,014/mo (50% DSR)
Upfront cash ≈ HK$24.08M (deposit + AVD stamp duty HK$2,987,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,679
−HK$13,490/mo
▼ 0.25% · 3.875%
HK$256,376
−HK$6,793/mo
Today · 4.125%
HK$263,169
baseline
▲ 0.50% · 4.625%
HK$277,041
+HK$13,872/mo
Deposit HK$21.09M · loan HK$49.21M · min. income ≈ HK$526,338/mo (50% DSR)
Upfront cash ≈ HK$24.08M (deposit + AVD stamp duty HK$2,987,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$288,557
−HK$18,095/mo
▼ 0.25% · 3.875%
HK$297,532
−HK$9,120/mo
Today · 4.125%
HK$306,652
baseline
▲ 0.50% · 4.625%
HK$325,311
+HK$18,659/mo
Deposit HK$7.03M · loan HK$63.27M · min. income ≈ HK$613,304/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$2,987,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$321,016
−HK$17,344/mo
▼ 0.25% · 3.875%
HK$329,626
−HK$8,734/mo
Today · 4.125%
HK$338,360
baseline
▲ 0.50% · 4.625%
HK$356,195
+HK$17,835/mo
Deposit HK$7.03M · loan HK$63.27M · min. income ≈ HK$676,720/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$2,987,885 · Scale 2, in force from 26 Feb 2026)