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$161,250
−HK$10,111/mo
▼ 0.25% · 3.875%
HK$166,265
−HK$5,096/mo
Today · 4.125%
HK$171,361
baseline
▲ 0.50% · 4.625%
HK$181,788
+HK$10,427/mo
Deposit HK$35.36M · loan HK$35.36M · min. income ≈ HK$342,722/mo (50% DSR)
Upfront cash ≈ HK$38.36M (deposit + AVD stamp duty HK$3,005,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,388
−HK$9,692/mo
▼ 0.25% · 3.875%
HK$184,200
−HK$4,880/mo
Today · 4.125%
HK$189,080
baseline
▲ 0.50% · 4.625%
HK$199,047
+HK$9,967/mo
Deposit HK$35.36M · loan HK$35.36M · min. income ≈ HK$378,160/mo (50% DSR)
Upfront cash ≈ HK$38.36M (deposit + AVD stamp duty HK$3,005,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,499
−HK$12,135/mo
▼ 0.25% · 3.875%
HK$199,518
−HK$6,116/mo
Today · 4.125%
HK$205,634
baseline
▲ 0.50% · 4.625%
HK$218,146
+HK$12,512/mo
Deposit HK$28.29M · loan HK$42.43M · min. income ≈ HK$411,268/mo (50% DSR)
Upfront cash ≈ HK$31.29M (deposit + AVD stamp duty HK$3,005,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,266
−HK$11,630/mo
▼ 0.25% · 3.875%
HK$221,039
−HK$5,857/mo
Today · 4.125%
HK$226,896
baseline
▲ 0.50% · 4.625%
HK$238,856
+HK$11,960/mo
Deposit HK$28.29M · loan HK$42.43M · min. income ≈ HK$453,792/mo (50% DSR)
Upfront cash ≈ HK$31.29M (deposit + AVD stamp duty HK$3,005,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,749
−HK$14,157/mo
▼ 0.25% · 3.875%
HK$232,771
−HK$7,135/mo
Today · 4.125%
HK$239,906
baseline
▲ 0.50% · 4.625%
HK$254,504
+HK$14,598/mo
Deposit HK$21.21M · loan HK$49.50M · min. income ≈ HK$479,812/mo (50% DSR)
Upfront cash ≈ HK$24.22M (deposit + AVD stamp duty HK$3,005,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,144
−HK$13,568/mo
▼ 0.25% · 3.875%
HK$257,879
−HK$6,833/mo
Today · 4.125%
HK$264,712
baseline
▲ 0.50% · 4.625%
HK$278,666
+HK$13,954/mo
Deposit HK$21.21M · loan HK$49.50M · min. income ≈ HK$529,424/mo (50% DSR)
Upfront cash ≈ HK$24.22M (deposit + AVD stamp duty HK$3,005,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,249
−HK$18,201/mo
▼ 0.25% · 3.875%
HK$299,278
−HK$9,172/mo
Today · 4.125%
HK$308,450
baseline
▲ 0.50% · 4.625%
HK$327,219
+HK$18,769/mo
Deposit HK$7.07M · loan HK$63.64M · min. income ≈ HK$616,900/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$3,005,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$322,899
−HK$17,446/mo
▼ 0.25% · 3.875%
HK$331,559
−HK$8,786/mo
Today · 4.125%
HK$340,345
baseline
▲ 0.50% · 4.625%
HK$358,285
+HK$17,940/mo
Deposit HK$7.07M · loan HK$63.64M · min. income ≈ HK$680,690/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$3,005,410 · Scale 2, in force from 26 Feb 2026)