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$160,034
−HK$10,036/mo
▼ 0.25% · 3.875%
HK$165,012
−HK$5,058/mo
Today · 4.125%
HK$170,070
baseline
▲ 0.50% · 4.625%
HK$180,418
+HK$10,348/mo
Deposit HK$35.09M · loan HK$35.09M · min. income ≈ HK$340,140/mo (50% DSR)
Upfront cash ≈ HK$38.07M (deposit + AVD stamp duty HK$2,982,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,036
−HK$9,619/mo
▼ 0.25% · 3.875%
HK$182,811
−HK$4,844/mo
Today · 4.125%
HK$187,655
baseline
▲ 0.50% · 4.625%
HK$197,547
+HK$9,892/mo
Deposit HK$35.09M · loan HK$35.09M · min. income ≈ HK$375,310/mo (50% DSR)
Upfront cash ≈ HK$38.07M (deposit + AVD stamp duty HK$2,982,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,041
−HK$12,043/mo
▼ 0.25% · 3.875%
HK$198,014
−HK$6,070/mo
Today · 4.125%
HK$204,084
baseline
▲ 0.50% · 4.625%
HK$216,502
+HK$12,418/mo
Deposit HK$28.07M · loan HK$42.11M · min. income ≈ HK$408,168/mo (50% DSR)
Upfront cash ≈ HK$31.06M (deposit + AVD stamp duty HK$2,982,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,644
−HK$11,542/mo
▼ 0.25% · 3.875%
HK$219,373
−HK$5,813/mo
Today · 4.125%
HK$225,186
baseline
▲ 0.50% · 4.625%
HK$237,056
+HK$11,870/mo
Deposit HK$28.07M · loan HK$42.11M · min. income ≈ HK$450,372/mo (50% DSR)
Upfront cash ≈ HK$31.06M (deposit + AVD stamp duty HK$2,982,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,048
−HK$14,049/mo
▼ 0.25% · 3.875%
HK$231,017
−HK$7,080/mo
Today · 4.125%
HK$238,097
baseline
▲ 0.50% · 4.625%
HK$252,585
+HK$14,488/mo
Deposit HK$21.05M · loan HK$49.13M · min. income ≈ HK$476,194/mo (50% DSR)
Upfront cash ≈ HK$24.04M (deposit + AVD stamp duty HK$2,982,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,251
−HK$13,466/mo
▼ 0.25% · 3.875%
HK$255,936
−HK$6,781/mo
Today · 4.125%
HK$262,717
baseline
▲ 0.50% · 4.625%
HK$276,565
+HK$13,848/mo
Deposit HK$21.05M · loan HK$49.13M · min. income ≈ HK$525,434/mo (50% DSR)
Upfront cash ≈ HK$24.04M (deposit + AVD stamp duty HK$2,982,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$288,061
−HK$18,064/mo
▼ 0.25% · 3.875%
HK$297,022
−HK$9,103/mo
Today · 4.125%
HK$306,125
baseline
▲ 0.50% · 4.625%
HK$324,752
+HK$18,627/mo
Deposit HK$7.02M · loan HK$63.16M · min. income ≈ HK$612,250/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$2,982,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$320,465
−HK$17,314/mo
▼ 0.25% · 3.875%
HK$329,060
−HK$8,719/mo
Today · 4.125%
HK$337,779
baseline
▲ 0.50% · 4.625%
HK$355,584
+HK$17,805/mo
Deposit HK$7.02M · loan HK$63.16M · min. income ≈ HK$675,558/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$2,982,756 · Scale 2, in force from 26 Feb 2026)