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$162,099
−HK$10,165/mo
▼ 0.25% · 3.875%
HK$167,141
−HK$5,123/mo
Today · 4.125%
HK$172,264
baseline
▲ 0.50% · 4.625%
HK$182,746
+HK$10,482/mo
Deposit HK$35.54M · loan HK$35.54M · min. income ≈ HK$344,528/mo (50% DSR)
Upfront cash ≈ HK$38.57M (deposit + AVD stamp duty HK$3,021,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,334
−HK$9,743/mo
▼ 0.25% · 3.875%
HK$185,170
−HK$4,907/mo
Today · 4.125%
HK$190,077
baseline
▲ 0.50% · 4.625%
HK$200,096
+HK$10,019/mo
Deposit HK$35.54M · loan HK$35.54M · min. income ≈ HK$380,154/mo (50% DSR)
Upfront cash ≈ HK$38.57M (deposit + AVD stamp duty HK$3,021,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,519
−HK$12,198/mo
▼ 0.25% · 3.875%
HK$200,570
−HK$6,147/mo
Today · 4.125%
HK$206,717
baseline
▲ 0.50% · 4.625%
HK$219,295
+HK$12,578/mo
Deposit HK$28.44M · loan HK$42.65M · min. income ≈ HK$413,434/mo (50% DSR)
Upfront cash ≈ HK$31.46M (deposit + AVD stamp duty HK$3,021,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,401
−HK$11,691/mo
▼ 0.25% · 3.875%
HK$222,204
−HK$5,888/mo
Today · 4.125%
HK$228,092
baseline
▲ 0.50% · 4.625%
HK$240,115
+HK$12,023/mo
Deposit HK$28.44M · loan HK$42.65M · min. income ≈ HK$456,184/mo (50% DSR)
Upfront cash ≈ HK$31.46M (deposit + AVD stamp duty HK$3,021,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,939
−HK$14,231/mo
▼ 0.25% · 3.875%
HK$233,998
−HK$7,172/mo
Today · 4.125%
HK$241,170
baseline
▲ 0.50% · 4.625%
HK$255,845
+HK$14,675/mo
Deposit HK$21.33M · loan HK$49.76M · min. income ≈ HK$482,340/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$3,021,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,467
−HK$13,640/mo
▼ 0.25% · 3.875%
HK$259,238
−HK$6,869/mo
Today · 4.125%
HK$266,107
baseline
▲ 0.50% · 4.625%
HK$280,134
+HK$14,027/mo
Deposit HK$21.33M · loan HK$49.76M · min. income ≈ HK$532,214/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$3,021,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,779
−HK$18,297/mo
▼ 0.25% · 3.875%
HK$300,855
−HK$9,221/mo
Today · 4.125%
HK$310,076
baseline
▲ 0.50% · 4.625%
HK$328,943
+HK$18,867/mo
Deposit HK$7.11M · loan HK$63.98M · min. income ≈ HK$620,152/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$3,021,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$324,601
−HK$17,537/mo
▼ 0.25% · 3.875%
HK$333,307
−HK$8,831/mo
Today · 4.125%
HK$342,138
baseline
▲ 0.50% · 4.625%
HK$360,173
+HK$18,035/mo
Deposit HK$7.11M · loan HK$63.98M · min. income ≈ HK$684,276/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$3,021,248 · Scale 2, in force from 26 Feb 2026)