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$162,354
−HK$10,181/mo
▼ 0.25% · 3.875%
HK$167,404
−HK$5,131/mo
Today · 4.125%
HK$172,535
baseline
▲ 0.50% · 4.625%
HK$183,033
+HK$10,498/mo
Deposit HK$35.60M · loan HK$35.60M · min. income ≈ HK$345,070/mo (50% DSR)
Upfront cash ≈ HK$38.63M (deposit + AVD stamp duty HK$3,025,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,617
−HK$9,758/mo
▼ 0.25% · 3.875%
HK$185,461
−HK$4,914/mo
Today · 4.125%
HK$190,375
baseline
▲ 0.50% · 4.625%
HK$200,410
+HK$10,035/mo
Deposit HK$35.60M · loan HK$35.60M · min. income ≈ HK$380,750/mo (50% DSR)
Upfront cash ≈ HK$38.63M (deposit + AVD stamp duty HK$3,025,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,825
−HK$12,217/mo
▼ 0.25% · 3.875%
HK$200,885
−HK$6,157/mo
Today · 4.125%
HK$207,042
baseline
▲ 0.50% · 4.625%
HK$219,640
+HK$12,598/mo
Deposit HK$28.48M · loan HK$42.72M · min. income ≈ HK$414,084/mo (50% DSR)
Upfront cash ≈ HK$31.51M (deposit + AVD stamp duty HK$3,025,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,740
−HK$11,710/mo
▼ 0.25% · 3.875%
HK$222,553
−HK$5,897/mo
Today · 4.125%
HK$228,450
baseline
▲ 0.50% · 4.625%
HK$240,492
+HK$12,042/mo
Deposit HK$28.48M · loan HK$42.72M · min. income ≈ HK$456,900/mo (50% DSR)
Upfront cash ≈ HK$31.51M (deposit + AVD stamp duty HK$3,025,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,295
−HK$14,254/mo
▼ 0.25% · 3.875%
HK$234,365
−HK$7,184/mo
Today · 4.125%
HK$241,549
baseline
▲ 0.50% · 4.625%
HK$256,246
+HK$14,697/mo
Deposit HK$21.36M · loan HK$49.84M · min. income ≈ HK$483,098/mo (50% DSR)
Upfront cash ≈ HK$24.39M (deposit + AVD stamp duty HK$3,025,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,864
−HK$13,661/mo
▼ 0.25% · 3.875%
HK$259,645
−HK$6,880/mo
Today · 4.125%
HK$266,525
baseline
▲ 0.50% · 4.625%
HK$280,574
+HK$14,049/mo
Deposit HK$21.36M · loan HK$49.84M · min. income ≈ HK$533,050/mo (50% DSR)
Upfront cash ≈ HK$24.39M (deposit + AVD stamp duty HK$3,025,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,237
−HK$18,326/mo
▼ 0.25% · 3.875%
HK$301,327
−HK$9,236/mo
Today · 4.125%
HK$310,563
baseline
▲ 0.50% · 4.625%
HK$329,460
+HK$18,897/mo
Deposit HK$7.12M · loan HK$64.08M · min. income ≈ HK$621,126/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$3,025,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$325,111
−HK$17,564/mo
▼ 0.25% · 3.875%
HK$333,830
−HK$8,845/mo
Today · 4.125%
HK$342,675
baseline
▲ 0.50% · 4.625%
HK$360,738
+HK$18,063/mo
Deposit HK$7.12M · loan HK$64.08M · min. income ≈ HK$685,350/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$3,025,991 · Scale 2, in force from 26 Feb 2026)