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$162,860
−HK$10,213/mo
▼ 0.25% · 3.875%
HK$167,926
−HK$5,147/mo
Today · 4.125%
HK$173,073
baseline
▲ 0.50% · 4.625%
HK$183,604
+HK$10,531/mo
Deposit HK$35.71M · loan HK$35.71M · min. income ≈ HK$346,146/mo (50% DSR)
Upfront cash ≈ HK$38.75M (deposit + AVD stamp duty HK$3,035,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,180
−HK$9,789/mo
▼ 0.25% · 3.875%
HK$186,039
−HK$4,930/mo
Today · 4.125%
HK$190,969
baseline
▲ 0.50% · 4.625%
HK$201,035
+HK$10,066/mo
Deposit HK$35.71M · loan HK$35.71M · min. income ≈ HK$381,938/mo (50% DSR)
Upfront cash ≈ HK$38.75M (deposit + AVD stamp duty HK$3,035,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,432
−HK$12,255/mo
▼ 0.25% · 3.875%
HK$201,511
−HK$6,176/mo
Today · 4.125%
HK$207,687
baseline
▲ 0.50% · 4.625%
HK$220,324
+HK$12,637/mo
Deposit HK$28.57M · loan HK$42.85M · min. income ≈ HK$415,374/mo (50% DSR)
Upfront cash ≈ HK$31.60M (deposit + AVD stamp duty HK$3,035,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,416
−HK$11,746/mo
▼ 0.25% · 3.875%
HK$223,247
−HK$5,915/mo
Today · 4.125%
HK$229,162
baseline
▲ 0.50% · 4.625%
HK$241,242
+HK$12,080/mo
Deposit HK$28.57M · loan HK$42.85M · min. income ≈ HK$458,324/mo (50% DSR)
Upfront cash ≈ HK$31.60M (deposit + AVD stamp duty HK$3,035,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,004
−HK$14,298/mo
▼ 0.25% · 3.875%
HK$235,096
−HK$7,206/mo
Today · 4.125%
HK$242,302
baseline
▲ 0.50% · 4.625%
HK$257,045
+HK$14,743/mo
Deposit HK$21.43M · loan HK$50.00M · min. income ≈ HK$484,604/mo (50% DSR)
Upfront cash ≈ HK$24.46M (deposit + AVD stamp duty HK$3,035,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,652
−HK$13,704/mo
▼ 0.25% · 3.875%
HK$260,455
−HK$6,901/mo
Today · 4.125%
HK$267,356
baseline
▲ 0.50% · 4.625%
HK$281,449
+HK$14,093/mo
Deposit HK$21.43M · loan HK$50.00M · min. income ≈ HK$534,712/mo (50% DSR)
Upfront cash ≈ HK$24.46M (deposit + AVD stamp duty HK$3,035,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,148
−HK$18,383/mo
▼ 0.25% · 3.875%
HK$302,266
−HK$9,265/mo
Today · 4.125%
HK$311,531
baseline
▲ 0.50% · 4.625%
HK$330,487
+HK$18,956/mo
Deposit HK$7.14M · loan HK$64.28M · min. income ≈ HK$623,062/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$3,035,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$326,124
−HK$17,619/mo
▼ 0.25% · 3.875%
HK$334,870
−HK$8,873/mo
Today · 4.125%
HK$343,743
baseline
▲ 0.50% · 4.625%
HK$361,863
+HK$18,120/mo
Deposit HK$7.14M · loan HK$64.28M · min. income ≈ HK$687,486/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$3,035,425 · Scale 2, in force from 26 Feb 2026)