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$162,332
−HK$10,180/mo
▼ 0.25% · 3.875%
HK$167,382
−HK$5,130/mo
Today · 4.125%
HK$172,512
baseline
▲ 0.50% · 4.625%
HK$183,009
+HK$10,497/mo
Deposit HK$35.60M · loan HK$35.60M · min. income ≈ HK$345,024/mo (50% DSR)
Upfront cash ≈ HK$38.62M (deposit + AVD stamp duty HK$3,025,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,593
−HK$9,757/mo
▼ 0.25% · 3.875%
HK$185,437
−HK$4,913/mo
Today · 4.125%
HK$190,350
baseline
▲ 0.50% · 4.625%
HK$200,384
+HK$10,034/mo
Deposit HK$35.60M · loan HK$35.60M · min. income ≈ HK$380,700/mo (50% DSR)
Upfront cash ≈ HK$38.62M (deposit + AVD stamp duty HK$3,025,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,799
−HK$12,215/mo
▼ 0.25% · 3.875%
HK$200,858
−HK$6,156/mo
Today · 4.125%
HK$207,014
baseline
▲ 0.50% · 4.625%
HK$219,611
+HK$12,597/mo
Deposit HK$28.48M · loan HK$42.71M · min. income ≈ HK$414,028/mo (50% DSR)
Upfront cash ≈ HK$31.50M (deposit + AVD stamp duty HK$3,025,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,712
−HK$11,708/mo
▼ 0.25% · 3.875%
HK$222,524
−HK$5,896/mo
Today · 4.125%
HK$228,420
baseline
▲ 0.50% · 4.625%
HK$240,460
+HK$12,040/mo
Deposit HK$28.48M · loan HK$42.71M · min. income ≈ HK$456,840/mo (50% DSR)
Upfront cash ≈ HK$31.50M (deposit + AVD stamp duty HK$3,025,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,265
−HK$14,252/mo
▼ 0.25% · 3.875%
HK$234,335
−HK$7,182/mo
Today · 4.125%
HK$241,517
baseline
▲ 0.50% · 4.625%
HK$256,213
+HK$14,696/mo
Deposit HK$21.36M · loan HK$49.83M · min. income ≈ HK$483,034/mo (50% DSR)
Upfront cash ≈ HK$24.38M (deposit + AVD stamp duty HK$3,025,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,830
−HK$13,660/mo
▼ 0.25% · 3.875%
HK$259,611
−HK$6,879/mo
Today · 4.125%
HK$266,490
baseline
▲ 0.50% · 4.625%
HK$280,537
+HK$14,047/mo
Deposit HK$21.36M · loan HK$49.83M · min. income ≈ HK$532,980/mo (50% DSR)
Upfront cash ≈ HK$24.38M (deposit + AVD stamp duty HK$3,025,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,198
−HK$18,324/mo
▼ 0.25% · 3.875%
HK$301,287
−HK$9,235/mo
Today · 4.125%
HK$310,522
baseline
▲ 0.50% · 4.625%
HK$329,416
+HK$18,894/mo
Deposit HK$7.12M · loan HK$64.07M · min. income ≈ HK$621,044/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$3,025,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$325,068
−HK$17,562/mo
▼ 0.25% · 3.875%
HK$333,786
−HK$8,844/mo
Today · 4.125%
HK$342,630
baseline
▲ 0.50% · 4.625%
HK$360,691
+HK$18,061/mo
Deposit HK$7.12M · loan HK$64.07M · min. income ≈ HK$685,260/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$3,025,592 · Scale 2, in force from 26 Feb 2026)