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$163,641
−HK$10,261/mo
▼ 0.25% · 3.875%
HK$168,731
−HK$5,171/mo
Today · 4.125%
HK$173,902
baseline
▲ 0.50% · 4.625%
HK$184,484
+HK$10,582/mo
Deposit HK$35.88M · loan HK$35.88M · min. income ≈ HK$347,804/mo (50% DSR)
Upfront cash ≈ HK$38.93M (deposit + AVD stamp duty HK$3,049,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,049
−HK$9,835/mo
▼ 0.25% · 3.875%
HK$186,931
−HK$4,953/mo
Today · 4.125%
HK$191,884
baseline
▲ 0.50% · 4.625%
HK$201,999
+HK$10,115/mo
Deposit HK$35.88M · loan HK$35.88M · min. income ≈ HK$383,768/mo (50% DSR)
Upfront cash ≈ HK$38.93M (deposit + AVD stamp duty HK$3,049,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,369
−HK$12,314/mo
▼ 0.25% · 3.875%
HK$202,477
−HK$6,206/mo
Today · 4.125%
HK$208,683
baseline
▲ 0.50% · 4.625%
HK$221,381
+HK$12,698/mo
Deposit HK$28.71M · loan HK$43.06M · min. income ≈ HK$417,366/mo (50% DSR)
Upfront cash ≈ HK$31.76M (deposit + AVD stamp duty HK$3,049,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,458
−HK$11,803/mo
▼ 0.25% · 3.875%
HK$224,317
−HK$5,944/mo
Today · 4.125%
HK$230,261
baseline
▲ 0.50% · 4.625%
HK$242,398
+HK$12,137/mo
Deposit HK$28.71M · loan HK$43.06M · min. income ≈ HK$460,522/mo (50% DSR)
Upfront cash ≈ HK$31.76M (deposit + AVD stamp duty HK$3,049,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,097
−HK$14,366/mo
▼ 0.25% · 3.875%
HK$236,223
−HK$7,240/mo
Today · 4.125%
HK$243,463
baseline
▲ 0.50% · 4.625%
HK$258,278
+HK$14,815/mo
Deposit HK$21.53M · loan HK$50.23M · min. income ≈ HK$486,926/mo (50% DSR)
Upfront cash ≈ HK$24.58M (deposit + AVD stamp duty HK$3,049,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,868
−HK$13,770/mo
▼ 0.25% · 3.875%
HK$261,703
−HK$6,935/mo
Today · 4.125%
HK$268,638
baseline
▲ 0.50% · 4.625%
HK$282,798
+HK$14,160/mo
Deposit HK$21.53M · loan HK$50.23M · min. income ≈ HK$537,276/mo (50% DSR)
Upfront cash ≈ HK$24.58M (deposit + AVD stamp duty HK$3,049,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,553
−HK$18,471/mo
▼ 0.25% · 3.875%
HK$303,715
−HK$9,309/mo
Today · 4.125%
HK$313,024
baseline
▲ 0.50% · 4.625%
HK$332,071
+HK$19,047/mo
Deposit HK$7.18M · loan HK$64.59M · min. income ≈ HK$626,048/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$3,049,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$327,687
−HK$17,704/mo
▼ 0.25% · 3.875%
HK$336,476
−HK$8,915/mo
Today · 4.125%
HK$345,391
baseline
▲ 0.50% · 4.625%
HK$363,597
+HK$18,206/mo
Deposit HK$7.18M · loan HK$64.59M · min. income ≈ HK$690,782/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$3,049,977 · Scale 2, in force from 26 Feb 2026)