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$162,722
−HK$10,204/mo
▼ 0.25% · 3.875%
HK$167,784
−HK$5,142/mo
Today · 4.125%
HK$172,926
baseline
▲ 0.50% · 4.625%
HK$183,448
+HK$10,522/mo
Deposit HK$35.68M · loan HK$35.68M · min. income ≈ HK$345,852/mo (50% DSR)
Upfront cash ≈ HK$38.71M (deposit + AVD stamp duty HK$3,032,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,027
−HK$9,780/mo
▼ 0.25% · 3.875%
HK$185,882
−HK$4,925/mo
Today · 4.125%
HK$190,807
baseline
▲ 0.50% · 4.625%
HK$200,865
+HK$10,058/mo
Deposit HK$35.68M · loan HK$35.68M · min. income ≈ HK$381,614/mo (50% DSR)
Upfront cash ≈ HK$38.71M (deposit + AVD stamp duty HK$3,032,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,267
−HK$12,245/mo
▼ 0.25% · 3.875%
HK$201,341
−HK$6,171/mo
Today · 4.125%
HK$207,512
baseline
▲ 0.50% · 4.625%
HK$220,138
+HK$12,626/mo
Deposit HK$28.54M · loan HK$42.82M · min. income ≈ HK$415,024/mo (50% DSR)
Upfront cash ≈ HK$31.58M (deposit + AVD stamp duty HK$3,032,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,232
−HK$11,737/mo
▼ 0.25% · 3.875%
HK$223,058
−HK$5,911/mo
Today · 4.125%
HK$228,969
baseline
▲ 0.50% · 4.625%
HK$241,038
+HK$12,069/mo
Deposit HK$28.54M · loan HK$42.82M · min. income ≈ HK$457,938/mo (50% DSR)
Upfront cash ≈ HK$31.58M (deposit + AVD stamp duty HK$3,032,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,811
−HK$14,286/mo
▼ 0.25% · 3.875%
HK$234,897
−HK$7,200/mo
Today · 4.125%
HK$242,097
baseline
▲ 0.50% · 4.625%
HK$256,828
+HK$14,731/mo
Deposit HK$21.41M · loan HK$49.95M · min. income ≈ HK$484,194/mo (50% DSR)
Upfront cash ≈ HK$24.44M (deposit + AVD stamp duty HK$3,032,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,438
−HK$13,692/mo
▼ 0.25% · 3.875%
HK$260,235
−HK$6,895/mo
Today · 4.125%
HK$267,130
baseline
▲ 0.50% · 4.625%
HK$281,211
+HK$14,081/mo
Deposit HK$21.41M · loan HK$49.95M · min. income ≈ HK$534,260/mo (50% DSR)
Upfront cash ≈ HK$24.44M (deposit + AVD stamp duty HK$3,032,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,900
−HK$18,367/mo
▼ 0.25% · 3.875%
HK$302,011
−HK$9,256/mo
Today · 4.125%
HK$311,267
baseline
▲ 0.50% · 4.625%
HK$330,207
+HK$18,940/mo
Deposit HK$7.14M · loan HK$64.23M · min. income ≈ HK$622,534/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$3,032,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$325,848
−HK$17,605/mo
▼ 0.25% · 3.875%
HK$334,587
−HK$8,866/mo
Today · 4.125%
HK$343,453
baseline
▲ 0.50% · 4.625%
HK$361,557
+HK$18,104/mo
Deposit HK$7.14M · loan HK$64.23M · min. income ≈ HK$686,906/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$3,032,858 · Scale 2, in force from 26 Feb 2026)