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$164,371
−HK$10,307/mo
▼ 0.25% · 3.875%
HK$169,484
−HK$5,194/mo
Today · 4.125%
HK$174,678
baseline
▲ 0.50% · 4.625%
HK$185,307
+HK$10,629/mo
Deposit HK$36.04M · loan HK$36.04M · min. income ≈ HK$349,356/mo (50% DSR)
Upfront cash ≈ HK$39.11M (deposit + AVD stamp duty HK$3,063,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,861
−HK$9,879/mo
▼ 0.25% · 3.875%
HK$187,765
−HK$4,975/mo
Today · 4.125%
HK$192,740
baseline
▲ 0.50% · 4.625%
HK$202,900
+HK$10,160/mo
Deposit HK$36.04M · loan HK$36.04M · min. income ≈ HK$385,480/mo (50% DSR)
Upfront cash ≈ HK$39.11M (deposit + AVD stamp duty HK$3,063,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,245
−HK$12,369/mo
▼ 0.25% · 3.875%
HK$203,380
−HK$6,234/mo
Today · 4.125%
HK$209,614
baseline
▲ 0.50% · 4.625%
HK$222,368
+HK$12,754/mo
Deposit HK$28.83M · loan HK$43.25M · min. income ≈ HK$419,228/mo (50% DSR)
Upfront cash ≈ HK$31.90M (deposit + AVD stamp duty HK$3,063,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,433
−HK$11,855/mo
▼ 0.25% · 3.875%
HK$225,318
−HK$5,970/mo
Today · 4.125%
HK$231,288
baseline
▲ 0.50% · 4.625%
HK$243,480
+HK$12,192/mo
Deposit HK$28.83M · loan HK$43.25M · min. income ≈ HK$462,576/mo (50% DSR)
Upfront cash ≈ HK$31.90M (deposit + AVD stamp duty HK$3,063,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,119
−HK$14,431/mo
▼ 0.25% · 3.875%
HK$237,277
−HK$7,273/mo
Today · 4.125%
HK$244,550
baseline
▲ 0.50% · 4.625%
HK$259,430
+HK$14,880/mo
Deposit HK$21.63M · loan HK$50.46M · min. income ≈ HK$489,100/mo (50% DSR)
Upfront cash ≈ HK$24.69M (deposit + AVD stamp duty HK$3,063,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,005
−HK$13,831/mo
▼ 0.25% · 3.875%
HK$262,871
−HK$6,965/mo
Today · 4.125%
HK$269,836
baseline
▲ 0.50% · 4.625%
HK$284,060
+HK$14,224/mo
Deposit HK$21.63M · loan HK$50.46M · min. income ≈ HK$539,672/mo (50% DSR)
Upfront cash ≈ HK$24.69M (deposit + AVD stamp duty HK$3,063,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,867
−HK$18,554/mo
▼ 0.25% · 3.875%
HK$305,070
−HK$9,351/mo
Today · 4.125%
HK$314,421
baseline
▲ 0.50% · 4.625%
HK$333,553
+HK$19,132/mo
Deposit HK$7.21M · loan HK$64.88M · min. income ≈ HK$628,842/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$3,063,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$329,149
−HK$17,783/mo
▼ 0.25% · 3.875%
HK$337,977
−HK$8,955/mo
Today · 4.125%
HK$346,932
baseline
▲ 0.50% · 4.625%
HK$365,220
+HK$18,288/mo
Deposit HK$7.21M · loan HK$64.88M · min. income ≈ HK$693,864/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$3,063,584 · Scale 2, in force from 26 Feb 2026)