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$162,667
−HK$10,200/mo
▼ 0.25% · 3.875%
HK$167,726
−HK$5,141/mo
Today · 4.125%
HK$172,867
baseline
▲ 0.50% · 4.625%
HK$183,386
+HK$10,519/mo
Deposit HK$35.67M · loan HK$35.67M · min. income ≈ HK$345,734/mo (50% DSR)
Upfront cash ≈ HK$38.70M (deposit + AVD stamp duty HK$3,031,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,965
−HK$9,777/mo
▼ 0.25% · 3.875%
HK$185,818
−HK$4,924/mo
Today · 4.125%
HK$190,742
baseline
▲ 0.50% · 4.625%
HK$200,796
+HK$10,054/mo
Deposit HK$35.67M · loan HK$35.67M · min. income ≈ HK$381,484/mo (50% DSR)
Upfront cash ≈ HK$38.70M (deposit + AVD stamp duty HK$3,031,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,200
−HK$12,241/mo
▼ 0.25% · 3.875%
HK$201,272
−HK$6,169/mo
Today · 4.125%
HK$207,441
baseline
▲ 0.50% · 4.625%
HK$220,063
+HK$12,622/mo
Deposit HK$28.53M · loan HK$42.80M · min. income ≈ HK$414,882/mo (50% DSR)
Upfront cash ≈ HK$31.57M (deposit + AVD stamp duty HK$3,031,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,158
−HK$11,732/mo
▼ 0.25% · 3.875%
HK$222,982
−HK$5,908/mo
Today · 4.125%
HK$228,890
baseline
▲ 0.50% · 4.625%
HK$240,955
+HK$12,065/mo
Deposit HK$28.53M · loan HK$42.80M · min. income ≈ HK$457,780/mo (50% DSR)
Upfront cash ≈ HK$31.57M (deposit + AVD stamp duty HK$3,031,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,733
−HK$14,281/mo
▼ 0.25% · 3.875%
HK$234,817
−HK$7,197/mo
Today · 4.125%
HK$242,014
baseline
▲ 0.50% · 4.625%
HK$256,740
+HK$14,726/mo
Deposit HK$21.40M · loan HK$49.94M · min. income ≈ HK$484,028/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$3,031,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,351
−HK$13,688/mo
▼ 0.25% · 3.875%
HK$260,146
−HK$6,893/mo
Today · 4.125%
HK$267,039
baseline
▲ 0.50% · 4.625%
HK$281,115
+HK$14,076/mo
Deposit HK$21.40M · loan HK$49.94M · min. income ≈ HK$534,078/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$3,031,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,800
−HK$18,361/mo
▼ 0.25% · 3.875%
HK$301,907
−HK$9,254/mo
Today · 4.125%
HK$311,161
baseline
▲ 0.50% · 4.625%
HK$330,094
+HK$18,933/mo
Deposit HK$7.13M · loan HK$64.20M · min. income ≈ HK$622,322/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$3,031,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$325,737
−HK$17,598/mo
▼ 0.25% · 3.875%
HK$334,473
−HK$8,862/mo
Today · 4.125%
HK$343,335
baseline
▲ 0.50% · 4.625%
HK$361,433
+HK$18,098/mo
Deposit HK$7.13M · loan HK$64.20M · min. income ≈ HK$686,670/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$3,031,820 · Scale 2, in force from 26 Feb 2026)