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$163,762
−HK$10,269/mo
▼ 0.25% · 3.875%
HK$168,856
−HK$5,175/mo
Today · 4.125%
HK$174,031
baseline
▲ 0.50% · 4.625%
HK$184,620
+HK$10,589/mo
Deposit HK$35.91M · loan HK$35.91M · min. income ≈ HK$348,062/mo (50% DSR)
Upfront cash ≈ HK$38.96M (deposit + AVD stamp duty HK$3,052,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,183
−HK$9,843/mo
▼ 0.25% · 3.875%
HK$187,069
−HK$4,957/mo
Today · 4.125%
HK$192,026
baseline
▲ 0.50% · 4.625%
HK$202,148
+HK$10,122/mo
Deposit HK$35.91M · loan HK$35.91M · min. income ≈ HK$384,052/mo (50% DSR)
Upfront cash ≈ HK$38.96M (deposit + AVD stamp duty HK$3,052,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,514
−HK$12,323/mo
▼ 0.25% · 3.875%
HK$202,627
−HK$6,210/mo
Today · 4.125%
HK$208,837
baseline
▲ 0.50% · 4.625%
HK$221,544
+HK$12,707/mo
Deposit HK$28.73M · loan HK$43.09M · min. income ≈ HK$417,674/mo (50% DSR)
Upfront cash ≈ HK$31.78M (deposit + AVD stamp duty HK$3,052,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,620
−HK$11,811/mo
▼ 0.25% · 3.875%
HK$224,483
−HK$5,948/mo
Today · 4.125%
HK$230,431
baseline
▲ 0.50% · 4.625%
HK$242,578
+HK$12,147/mo
Deposit HK$28.73M · loan HK$43.09M · min. income ≈ HK$460,862/mo (50% DSR)
Upfront cash ≈ HK$31.78M (deposit + AVD stamp duty HK$3,052,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,266
−HK$14,377/mo
▼ 0.25% · 3.875%
HK$236,398
−HK$7,245/mo
Today · 4.125%
HK$243,643
baseline
▲ 0.50% · 4.625%
HK$258,468
+HK$14,825/mo
Deposit HK$21.55M · loan HK$50.27M · min. income ≈ HK$487,286/mo (50% DSR)
Upfront cash ≈ HK$24.60M (deposit + AVD stamp duty HK$3,052,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,056
−HK$13,780/mo
▼ 0.25% · 3.875%
HK$261,897
−HK$6,939/mo
Today · 4.125%
HK$268,836
baseline
▲ 0.50% · 4.625%
HK$283,007
+HK$14,171/mo
Deposit HK$21.55M · loan HK$50.27M · min. income ≈ HK$537,672/mo (50% DSR)
Upfront cash ≈ HK$24.60M (deposit + AVD stamp duty HK$3,052,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,771
−HK$18,485/mo
▼ 0.25% · 3.875%
HK$303,940
−HK$9,316/mo
Today · 4.125%
HK$313,256
baseline
▲ 0.50% · 4.625%
HK$332,317
+HK$19,061/mo
Deposit HK$7.18M · loan HK$64.64M · min. income ≈ HK$626,512/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$3,052,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$327,930
−HK$17,717/mo
▼ 0.25% · 3.875%
HK$336,725
−HK$8,922/mo
Today · 4.125%
HK$345,647
baseline
▲ 0.50% · 4.625%
HK$363,866
+HK$18,219/mo
Deposit HK$7.18M · loan HK$64.64M · min. income ≈ HK$691,294/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$3,052,232 · Scale 2, in force from 26 Feb 2026)