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$161,779
−HK$10,145/mo
▼ 0.25% · 3.875%
HK$166,812
−HK$5,112/mo
Today · 4.125%
HK$171,924
baseline
▲ 0.50% · 4.625%
HK$182,385
+HK$10,461/mo
Deposit HK$35.47M · loan HK$35.47M · min. income ≈ HK$343,848/mo (50% DSR)
Upfront cash ≈ HK$38.49M (deposit + AVD stamp duty HK$3,015,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,978
−HK$9,723/mo
▼ 0.25% · 3.875%
HK$184,805
−HK$4,896/mo
Today · 4.125%
HK$189,701
baseline
▲ 0.50% · 4.625%
HK$199,701
+HK$10,000/mo
Deposit HK$35.47M · loan HK$35.47M · min. income ≈ HK$379,402/mo (50% DSR)
Upfront cash ≈ HK$38.49M (deposit + AVD stamp duty HK$3,015,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,135
−HK$12,174/mo
▼ 0.25% · 3.875%
HK$200,174
−HK$6,135/mo
Today · 4.125%
HK$206,309
baseline
▲ 0.50% · 4.625%
HK$218,863
+HK$12,554/mo
Deposit HK$28.38M · loan HK$42.57M · min. income ≈ HK$412,618/mo (50% DSR)
Upfront cash ≈ HK$31.39M (deposit + AVD stamp duty HK$3,015,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,973
−HK$11,669/mo
▼ 0.25% · 3.875%
HK$221,766
−HK$5,876/mo
Today · 4.125%
HK$227,642
baseline
▲ 0.50% · 4.625%
HK$239,641
+HK$11,999/mo
Deposit HK$28.38M · loan HK$42.57M · min. income ≈ HK$455,284/mo (50% DSR)
Upfront cash ≈ HK$31.39M (deposit + AVD stamp duty HK$3,015,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,491
−HK$14,203/mo
▼ 0.25% · 3.875%
HK$233,536
−HK$7,158/mo
Today · 4.125%
HK$240,694
baseline
▲ 0.50% · 4.625%
HK$255,340
+HK$14,646/mo
Deposit HK$21.28M · loan HK$49.66M · min. income ≈ HK$481,388/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$3,015,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,969
−HK$13,613/mo
▼ 0.25% · 3.875%
HK$258,727
−HK$6,855/mo
Today · 4.125%
HK$265,582
baseline
▲ 0.50% · 4.625%
HK$279,581
+HK$13,999/mo
Deposit HK$21.28M · loan HK$49.66M · min. income ≈ HK$531,164/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$3,015,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,203
−HK$18,261/mo
▼ 0.25% · 3.875%
HK$300,261
−HK$9,203/mo
Today · 4.125%
HK$309,464
baseline
▲ 0.50% · 4.625%
HK$328,294
+HK$18,830/mo
Deposit HK$7.09M · loan HK$63.85M · min. income ≈ HK$618,928/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$3,015,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,960
−HK$17,503/mo
▼ 0.25% · 3.875%
HK$332,649
−HK$8,814/mo
Today · 4.125%
HK$341,463
baseline
▲ 0.50% · 4.625%
HK$359,462
+HK$17,999/mo
Deposit HK$7.09M · loan HK$63.85M · min. income ≈ HK$682,926/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$3,015,284 · Scale 2, in force from 26 Feb 2026)