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$160,311
−HK$10,052/mo
▼ 0.25% · 3.875%
HK$165,297
−HK$5,066/mo
Today · 4.125%
HK$170,363
baseline
▲ 0.50% · 4.625%
HK$180,730
+HK$10,367/mo
Deposit HK$35.15M · loan HK$35.15M · min. income ≈ HK$340,726/mo (50% DSR)
Upfront cash ≈ HK$38.14M (deposit + AVD stamp duty HK$2,987,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,344
−HK$9,635/mo
▼ 0.25% · 3.875%
HK$183,127
−HK$4,852/mo
Today · 4.125%
HK$187,979
baseline
▲ 0.50% · 4.625%
HK$197,888
+HK$9,909/mo
Deposit HK$35.15M · loan HK$35.15M · min. income ≈ HK$375,958/mo (50% DSR)
Upfront cash ≈ HK$38.14M (deposit + AVD stamp duty HK$2,987,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,373
−HK$12,063/mo
▼ 0.25% · 3.875%
HK$198,357
−HK$6,079/mo
Today · 4.125%
HK$204,436
baseline
▲ 0.50% · 4.625%
HK$216,876
+HK$12,440/mo
Deposit HK$28.12M · loan HK$42.18M · min. income ≈ HK$408,872/mo (50% DSR)
Upfront cash ≈ HK$31.11M (deposit + AVD stamp duty HK$2,987,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,013
−HK$11,562/mo
▼ 0.25% · 3.875%
HK$219,752
−HK$5,823/mo
Today · 4.125%
HK$225,575
baseline
▲ 0.50% · 4.625%
HK$237,465
+HK$11,890/mo
Deposit HK$28.12M · loan HK$42.18M · min. income ≈ HK$451,150/mo (50% DSR)
Upfront cash ≈ HK$31.11M (deposit + AVD stamp duty HK$2,987,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,435
−HK$14,074/mo
▼ 0.25% · 3.875%
HK$231,416
−HK$7,093/mo
Today · 4.125%
HK$238,509
baseline
▲ 0.50% · 4.625%
HK$253,022
+HK$14,513/mo
Deposit HK$21.09M · loan HK$49.21M · min. income ≈ HK$477,018/mo (50% DSR)
Upfront cash ≈ HK$24.08M (deposit + AVD stamp duty HK$2,987,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,681
−HK$13,490/mo
▼ 0.25% · 3.875%
HK$256,378
−HK$6,793/mo
Today · 4.125%
HK$263,171
baseline
▲ 0.50% · 4.625%
HK$277,043
+HK$13,872/mo
Deposit HK$21.09M · loan HK$49.21M · min. income ≈ HK$526,342/mo (50% DSR)
Upfront cash ≈ HK$24.08M (deposit + AVD stamp duty HK$2,987,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$288,559
−HK$18,095/mo
▼ 0.25% · 3.875%
HK$297,535
−HK$9,119/mo
Today · 4.125%
HK$306,654
baseline
▲ 0.50% · 4.625%
HK$325,313
+HK$18,659/mo
Deposit HK$7.03M · loan HK$63.27M · min. income ≈ HK$613,308/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$2,987,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$321,019
−HK$17,344/mo
▼ 0.25% · 3.875%
HK$329,629
−HK$8,734/mo
Today · 4.125%
HK$338,363
baseline
▲ 0.50% · 4.625%
HK$356,198
+HK$17,835/mo
Deposit HK$7.03M · loan HK$63.27M · min. income ≈ HK$676,726/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$2,987,909 · Scale 2, in force from 26 Feb 2026)