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$162,221
−HK$10,173/mo
▼ 0.25% · 3.875%
HK$167,267
−HK$5,127/mo
Today · 4.125%
HK$172,394
baseline
▲ 0.50% · 4.625%
HK$182,884
+HK$10,490/mo
Deposit HK$35.57M · loan HK$35.57M · min. income ≈ HK$344,788/mo (50% DSR)
Upfront cash ≈ HK$38.59M (deposit + AVD stamp duty HK$3,023,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,469
−HK$9,751/mo
▼ 0.25% · 3.875%
HK$185,310
−HK$4,910/mo
Today · 4.125%
HK$190,220
baseline
▲ 0.50% · 4.625%
HK$200,246
+HK$10,026/mo
Deposit HK$35.57M · loan HK$35.57M · min. income ≈ HK$380,440/mo (50% DSR)
Upfront cash ≈ HK$38.59M (deposit + AVD stamp duty HK$3,023,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,665
−HK$12,208/mo
▼ 0.25% · 3.875%
HK$200,721
−HK$6,152/mo
Today · 4.125%
HK$206,873
baseline
▲ 0.50% · 4.625%
HK$219,460
+HK$12,587/mo
Deposit HK$28.46M · loan HK$42.68M · min. income ≈ HK$413,746/mo (50% DSR)
Upfront cash ≈ HK$31.48M (deposit + AVD stamp duty HK$3,023,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,563
−HK$11,701/mo
▼ 0.25% · 3.875%
HK$222,371
−HK$5,893/mo
Today · 4.125%
HK$228,264
baseline
▲ 0.50% · 4.625%
HK$240,296
+HK$12,032/mo
Deposit HK$28.46M · loan HK$42.68M · min. income ≈ HK$456,528/mo (50% DSR)
Upfront cash ≈ HK$31.48M (deposit + AVD stamp duty HK$3,023,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,110
−HK$14,241/mo
▼ 0.25% · 3.875%
HK$234,174
−HK$7,177/mo
Today · 4.125%
HK$241,351
baseline
▲ 0.50% · 4.625%
HK$256,037
+HK$14,686/mo
Deposit HK$21.34M · loan HK$49.80M · min. income ≈ HK$482,702/mo (50% DSR)
Upfront cash ≈ HK$24.37M (deposit + AVD stamp duty HK$3,023,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,657
−HK$13,651/mo
▼ 0.25% · 3.875%
HK$259,433
−HK$6,875/mo
Today · 4.125%
HK$266,308
baseline
▲ 0.50% · 4.625%
HK$280,345
+HK$14,037/mo
Deposit HK$21.34M · loan HK$49.80M · min. income ≈ HK$532,616/mo (50% DSR)
Upfront cash ≈ HK$24.37M (deposit + AVD stamp duty HK$3,023,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,998
−HK$18,311/mo
▼ 0.25% · 3.875%
HK$301,081
−HK$9,228/mo
Today · 4.125%
HK$310,309
baseline
▲ 0.50% · 4.625%
HK$329,191
+HK$18,882/mo
Deposit HK$7.11M · loan HK$64.03M · min. income ≈ HK$620,618/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$3,023,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$324,845
−HK$17,550/mo
▼ 0.25% · 3.875%
HK$333,557
−HK$8,838/mo
Today · 4.125%
HK$342,395
baseline
▲ 0.50% · 4.625%
HK$360,444
+HK$18,049/mo
Deposit HK$7.11M · loan HK$64.03M · min. income ≈ HK$684,790/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$3,023,521 · Scale 2, in force from 26 Feb 2026)