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$162,122
−HK$10,167/mo
▼ 0.25% · 3.875%
HK$167,165
−HK$5,124/mo
Today · 4.125%
HK$172,289
baseline
▲ 0.50% · 4.625%
HK$182,772
+HK$10,483/mo
Deposit HK$35.55M · loan HK$35.55M · min. income ≈ HK$344,578/mo (50% DSR)
Upfront cash ≈ HK$38.57M (deposit + AVD stamp duty HK$3,021,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,359
−HK$9,745/mo
▼ 0.25% · 3.875%
HK$185,196
−HK$4,908/mo
Today · 4.125%
HK$190,104
baseline
▲ 0.50% · 4.625%
HK$200,124
+HK$10,020/mo
Deposit HK$35.55M · loan HK$35.55M · min. income ≈ HK$380,208/mo (50% DSR)
Upfront cash ≈ HK$38.57M (deposit + AVD stamp duty HK$3,021,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,547
−HK$12,199/mo
▼ 0.25% · 3.875%
HK$200,598
−HK$6,148/mo
Today · 4.125%
HK$206,746
baseline
▲ 0.50% · 4.625%
HK$219,326
+HK$12,580/mo
Deposit HK$28.44M · loan HK$42.66M · min. income ≈ HK$413,492/mo (50% DSR)
Upfront cash ≈ HK$31.46M (deposit + AVD stamp duty HK$3,021,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,431
−HK$11,693/mo
▼ 0.25% · 3.875%
HK$222,236
−HK$5,888/mo
Today · 4.125%
HK$228,124
baseline
▲ 0.50% · 4.625%
HK$240,149
+HK$12,025/mo
Deposit HK$28.44M · loan HK$42.66M · min. income ≈ HK$456,248/mo (50% DSR)
Upfront cash ≈ HK$31.46M (deposit + AVD stamp duty HK$3,021,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,971
−HK$14,233/mo
▼ 0.25% · 3.875%
HK$234,031
−HK$7,173/mo
Today · 4.125%
HK$241,204
baseline
▲ 0.50% · 4.625%
HK$255,881
+HK$14,677/mo
Deposit HK$21.33M · loan HK$49.77M · min. income ≈ HK$482,408/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$3,021,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,503
−HK$13,642/mo
▼ 0.25% · 3.875%
HK$259,275
−HK$6,870/mo
Today · 4.125%
HK$266,145
baseline
▲ 0.50% · 4.625%
HK$280,174
+HK$14,029/mo
Deposit HK$21.33M · loan HK$49.77M · min. income ≈ HK$532,290/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$3,021,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,820
−HK$18,300/mo
▼ 0.25% · 3.875%
HK$300,897
−HK$9,223/mo
Today · 4.125%
HK$310,120
baseline
▲ 0.50% · 4.625%
HK$328,990
+HK$18,870/mo
Deposit HK$7.11M · loan HK$63.99M · min. income ≈ HK$620,240/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$3,021,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$324,647
−HK$17,539/mo
▼ 0.25% · 3.875%
HK$333,353
−HK$8,833/mo
Today · 4.125%
HK$342,186
baseline
▲ 0.50% · 4.625%
HK$360,223
+HK$18,037/mo
Deposit HK$7.11M · loan HK$63.99M · min. income ≈ HK$684,372/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$3,021,674 · Scale 2, in force from 26 Feb 2026)