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$159,741
−HK$10,017/mo
▼ 0.25% · 3.875%
HK$164,710
−HK$5,048/mo
Today · 4.125%
HK$169,758
baseline
▲ 0.50% · 4.625%
HK$180,088
+HK$10,330/mo
Deposit HK$35.03M · loan HK$35.03M · min. income ≈ HK$339,516/mo (50% DSR)
Upfront cash ≈ HK$38.00M (deposit + AVD stamp duty HK$2,977,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,711
−HK$9,601/mo
▼ 0.25% · 3.875%
HK$182,477
−HK$4,835/mo
Today · 4.125%
HK$187,312
baseline
▲ 0.50% · 4.625%
HK$197,185
+HK$9,873/mo
Deposit HK$35.03M · loan HK$35.03M · min. income ≈ HK$374,624/mo (50% DSR)
Upfront cash ≈ HK$38.00M (deposit + AVD stamp duty HK$2,977,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,690
−HK$12,020/mo
▼ 0.25% · 3.875%
HK$197,652
−HK$6,058/mo
Today · 4.125%
HK$203,710
baseline
▲ 0.50% · 4.625%
HK$216,105
+HK$12,395/mo
Deposit HK$28.02M · loan HK$42.03M · min. income ≈ HK$407,420/mo (50% DSR)
Upfront cash ≈ HK$31.00M (deposit + AVD stamp duty HK$2,977,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,253
−HK$11,521/mo
▼ 0.25% · 3.875%
HK$218,972
−HK$5,802/mo
Today · 4.125%
HK$224,774
baseline
▲ 0.50% · 4.625%
HK$236,622
+HK$11,848/mo
Deposit HK$28.02M · loan HK$42.03M · min. income ≈ HK$449,548/mo (50% DSR)
Upfront cash ≈ HK$31.00M (deposit + AVD stamp duty HK$2,977,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,638
−HK$14,024/mo
▼ 0.25% · 3.875%
HK$230,594
−HK$7,068/mo
Today · 4.125%
HK$237,662
baseline
▲ 0.50% · 4.625%
HK$252,123
+HK$14,461/mo
Deposit HK$21.02M · loan HK$49.04M · min. income ≈ HK$475,324/mo (50% DSR)
Upfront cash ≈ HK$23.99M (deposit + AVD stamp duty HK$2,977,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,795
−HK$13,441/mo
▼ 0.25% · 3.875%
HK$255,467
−HK$6,769/mo
Today · 4.125%
HK$262,236
baseline
▲ 0.50% · 4.625%
HK$276,059
+HK$13,823/mo
Deposit HK$21.02M · loan HK$49.04M · min. income ≈ HK$524,472/mo (50% DSR)
Upfront cash ≈ HK$23.99M (deposit + AVD stamp duty HK$2,977,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,534
−HK$18,031/mo
▼ 0.25% · 3.875%
HK$296,478
−HK$9,087/mo
Today · 4.125%
HK$305,565
baseline
▲ 0.50% · 4.625%
HK$324,158
+HK$18,593/mo
Deposit HK$7.01M · loan HK$63.05M · min. income ≈ HK$611,130/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$2,977,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$319,879
−HK$17,282/mo
▼ 0.25% · 3.875%
HK$328,458
−HK$8,703/mo
Today · 4.125%
HK$337,161
baseline
▲ 0.50% · 4.625%
HK$354,933
+HK$17,772/mo
Deposit HK$7.01M · loan HK$63.05M · min. income ≈ HK$674,322/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$2,977,299 · Scale 2, in force from 26 Feb 2026)