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$163,468
−HK$10,251/mo
▼ 0.25% · 3.875%
HK$168,553
−HK$5,166/mo
Today · 4.125%
HK$173,719
baseline
▲ 0.50% · 4.625%
HK$184,290
+HK$10,571/mo
Deposit HK$35.84M · loan HK$35.84M · min. income ≈ HK$347,438/mo (50% DSR)
Upfront cash ≈ HK$38.89M (deposit + AVD stamp duty HK$3,046,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,857
−HK$9,825/mo
▼ 0.25% · 3.875%
HK$186,734
−HK$4,948/mo
Today · 4.125%
HK$191,682
baseline
▲ 0.50% · 4.625%
HK$201,786
+HK$10,104/mo
Deposit HK$35.84M · loan HK$35.84M · min. income ≈ HK$383,364/mo (50% DSR)
Upfront cash ≈ HK$38.89M (deposit + AVD stamp duty HK$3,046,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,162
−HK$12,301/mo
▼ 0.25% · 3.875%
HK$202,264
−HK$6,199/mo
Today · 4.125%
HK$208,463
baseline
▲ 0.50% · 4.625%
HK$221,147
+HK$12,684/mo
Deposit HK$28.68M · loan HK$43.01M · min. income ≈ HK$416,926/mo (50% DSR)
Upfront cash ≈ HK$31.72M (deposit + AVD stamp duty HK$3,046,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,228
−HK$11,790/mo
▼ 0.25% · 3.875%
HK$224,081
−HK$5,937/mo
Today · 4.125%
HK$230,018
baseline
▲ 0.50% · 4.625%
HK$242,143
+HK$12,125/mo
Deposit HK$28.68M · loan HK$43.01M · min. income ≈ HK$460,036/mo (50% DSR)
Upfront cash ≈ HK$31.72M (deposit + AVD stamp duty HK$3,046,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,856
−HK$14,351/mo
▼ 0.25% · 3.875%
HK$235,974
−HK$7,233/mo
Today · 4.125%
HK$243,207
baseline
▲ 0.50% · 4.625%
HK$258,005
+HK$14,798/mo
Deposit HK$21.51M · loan HK$50.18M · min. income ≈ HK$486,414/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$3,046,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,599
−HK$13,756/mo
▼ 0.25% · 3.875%
HK$261,428
−HK$6,927/mo
Today · 4.125%
HK$268,355
baseline
▲ 0.50% · 4.625%
HK$282,500
+HK$14,145/mo
Deposit HK$21.51M · loan HK$50.18M · min. income ≈ HK$536,710/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$3,046,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,243
−HK$18,451/mo
▼ 0.25% · 3.875%
HK$303,395
−HK$9,299/mo
Today · 4.125%
HK$312,694
baseline
▲ 0.50% · 4.625%
HK$331,721
+HK$19,027/mo
Deposit HK$7.17M · loan HK$64.52M · min. income ≈ HK$625,388/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$3,046,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$327,342
−HK$17,685/mo
▼ 0.25% · 3.875%
HK$336,121
−HK$8,906/mo
Today · 4.125%
HK$345,027
baseline
▲ 0.50% · 4.625%
HK$363,214
+HK$18,187/mo
Deposit HK$7.17M · loan HK$64.52M · min. income ≈ HK$690,054/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$3,046,763 · Scale 2, in force from 26 Feb 2026)