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$161,129
−HK$10,105/mo
▼ 0.25% · 3.875%
HK$166,141
−HK$5,093/mo
Today · 4.125%
HK$171,234
baseline
▲ 0.50% · 4.625%
HK$181,653
+HK$10,419/mo
Deposit HK$35.33M · loan HK$35.33M · min. income ≈ HK$342,468/mo (50% DSR)
Upfront cash ≈ HK$38.33M (deposit + AVD stamp duty HK$3,003,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,255
−HK$9,684/mo
▼ 0.25% · 3.875%
HK$184,062
−HK$4,877/mo
Today · 4.125%
HK$188,939
baseline
▲ 0.50% · 4.625%
HK$198,899
+HK$9,960/mo
Deposit HK$35.33M · loan HK$35.33M · min. income ≈ HK$377,878/mo (50% DSR)
Upfront cash ≈ HK$38.33M (deposit + AVD stamp duty HK$3,003,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,355
−HK$12,125/mo
▼ 0.25% · 3.875%
HK$199,370
−HK$6,110/mo
Today · 4.125%
HK$205,480
baseline
▲ 0.50% · 4.625%
HK$217,983
+HK$12,503/mo
Deposit HK$28.27M · loan HK$42.40M · min. income ≈ HK$410,960/mo (50% DSR)
Upfront cash ≈ HK$31.27M (deposit + AVD stamp duty HK$3,003,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,106
−HK$11,621/mo
▼ 0.25% · 3.875%
HK$220,875
−HK$5,852/mo
Today · 4.125%
HK$226,727
baseline
▲ 0.50% · 4.625%
HK$238,678
+HK$11,951/mo
Deposit HK$28.27M · loan HK$42.40M · min. income ≈ HK$453,454/mo (50% DSR)
Upfront cash ≈ HK$31.27M (deposit + AVD stamp duty HK$3,003,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,581
−HK$14,146/mo
▼ 0.25% · 3.875%
HK$232,598
−HK$7,129/mo
Today · 4.125%
HK$239,727
baseline
▲ 0.50% · 4.625%
HK$254,314
+HK$14,587/mo
Deposit HK$21.20M · loan HK$49.46M · min. income ≈ HK$479,454/mo (50% DSR)
Upfront cash ≈ HK$24.20M (deposit + AVD stamp duty HK$3,003,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,957
−HK$13,558/mo
▼ 0.25% · 3.875%
HK$257,687
−HK$6,828/mo
Today · 4.125%
HK$264,515
baseline
▲ 0.50% · 4.625%
HK$278,458
+HK$13,943/mo
Deposit HK$21.20M · loan HK$49.46M · min. income ≈ HK$529,030/mo (50% DSR)
Upfront cash ≈ HK$24.20M (deposit + AVD stamp duty HK$3,003,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,033
−HK$18,187/mo
▼ 0.25% · 3.875%
HK$299,054
−HK$9,166/mo
Today · 4.125%
HK$308,220
baseline
▲ 0.50% · 4.625%
HK$326,975
+HK$18,755/mo
Deposit HK$7.07M · loan HK$63.60M · min. income ≈ HK$616,440/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$3,003,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$322,658
−HK$17,433/mo
▼ 0.25% · 3.875%
HK$331,312
−HK$8,779/mo
Today · 4.125%
HK$340,091
baseline
▲ 0.50% · 4.625%
HK$358,017
+HK$17,926/mo
Deposit HK$7.07M · loan HK$63.60M · min. income ≈ HK$680,182/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$3,003,169 · Scale 2, in force from 26 Feb 2026)