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$164,621
−HK$10,323/mo
▼ 0.25% · 3.875%
HK$169,742
−HK$5,202/mo
Today · 4.125%
HK$174,944
baseline
▲ 0.50% · 4.625%
HK$185,589
+HK$10,645/mo
Deposit HK$36.10M · loan HK$36.10M · min. income ≈ HK$349,888/mo (50% DSR)
Upfront cash ≈ HK$39.17M (deposit + AVD stamp duty HK$3,068,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,139
−HK$9,895/mo
▼ 0.25% · 3.875%
HK$188,051
−HK$4,983/mo
Today · 4.125%
HK$193,034
baseline
▲ 0.50% · 4.625%
HK$203,209
+HK$10,175/mo
Deposit HK$36.10M · loan HK$36.10M · min. income ≈ HK$386,068/mo (50% DSR)
Upfront cash ≈ HK$39.17M (deposit + AVD stamp duty HK$3,068,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,545
−HK$12,388/mo
▼ 0.25% · 3.875%
HK$203,690
−HK$6,243/mo
Today · 4.125%
HK$209,933
baseline
▲ 0.50% · 4.625%
HK$222,707
+HK$12,774/mo
Deposit HK$28.88M · loan HK$43.32M · min. income ≈ HK$419,866/mo (50% DSR)
Upfront cash ≈ HK$31.95M (deposit + AVD stamp duty HK$3,068,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,767
−HK$11,874/mo
▼ 0.25% · 3.875%
HK$225,661
−HK$5,980/mo
Today · 4.125%
HK$231,641
baseline
▲ 0.50% · 4.625%
HK$243,851
+HK$12,210/mo
Deposit HK$28.88M · loan HK$43.32M · min. income ≈ HK$463,282/mo (50% DSR)
Upfront cash ≈ HK$31.95M (deposit + AVD stamp duty HK$3,068,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,470
−HK$14,452/mo
▼ 0.25% · 3.875%
HK$237,639
−HK$7,283/mo
Today · 4.125%
HK$244,922
baseline
▲ 0.50% · 4.625%
HK$259,825
+HK$14,903/mo
Deposit HK$21.66M · loan HK$50.54M · min. income ≈ HK$489,844/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$3,068,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,395
−HK$13,852/mo
▼ 0.25% · 3.875%
HK$263,272
−HK$6,975/mo
Today · 4.125%
HK$270,247
baseline
▲ 0.50% · 4.625%
HK$284,493
+HK$14,246/mo
Deposit HK$21.66M · loan HK$50.54M · min. income ≈ HK$540,494/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$3,068,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,318
−HK$18,582/mo
▼ 0.25% · 3.875%
HK$305,535
−HK$9,365/mo
Today · 4.125%
HK$314,900
baseline
▲ 0.50% · 4.625%
HK$334,061
+HK$19,161/mo
Deposit HK$7.22M · loan HK$64.97M · min. income ≈ HK$629,800/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$3,068,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$329,651
−HK$17,810/mo
▼ 0.25% · 3.875%
HK$338,492
−HK$8,969/mo
Today · 4.125%
HK$347,461
baseline
▲ 0.50% · 4.625%
HK$365,776
+HK$18,315/mo
Deposit HK$7.22M · loan HK$64.97M · min. income ≈ HK$694,922/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$3,068,252 · Scale 2, in force from 26 Feb 2026)