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$162,064
−HK$10,163/mo
▼ 0.25% · 3.875%
HK$167,105
−HK$5,122/mo
Today · 4.125%
HK$172,227
baseline
▲ 0.50% · 4.625%
HK$182,706
+HK$10,479/mo
Deposit HK$35.54M · loan HK$35.54M · min. income ≈ HK$344,454/mo (50% DSR)
Upfront cash ≈ HK$38.56M (deposit + AVD stamp duty HK$3,020,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,295
−HK$9,740/mo
▼ 0.25% · 3.875%
HK$185,130
−HK$4,905/mo
Today · 4.125%
HK$190,035
baseline
▲ 0.50% · 4.625%
HK$200,052
+HK$10,017/mo
Deposit HK$35.54M · loan HK$35.54M · min. income ≈ HK$380,070/mo (50% DSR)
Upfront cash ≈ HK$38.56M (deposit + AVD stamp duty HK$3,020,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,477
−HK$12,195/mo
▼ 0.25% · 3.875%
HK$200,526
−HK$6,146/mo
Today · 4.125%
HK$206,672
baseline
▲ 0.50% · 4.625%
HK$219,248
+HK$12,576/mo
Deposit HK$28.43M · loan HK$42.64M · min. income ≈ HK$413,344/mo (50% DSR)
Upfront cash ≈ HK$31.45M (deposit + AVD stamp duty HK$3,020,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,353
−HK$11,689/mo
▼ 0.25% · 3.875%
HK$222,156
−HK$5,886/mo
Today · 4.125%
HK$228,042
baseline
▲ 0.50% · 4.625%
HK$240,063
+HK$12,021/mo
Deposit HK$28.43M · loan HK$42.64M · min. income ≈ HK$456,084/mo (50% DSR)
Upfront cash ≈ HK$31.45M (deposit + AVD stamp duty HK$3,020,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,890
−HK$14,228/mo
▼ 0.25% · 3.875%
HK$233,947
−HK$7,171/mo
Today · 4.125%
HK$241,118
baseline
▲ 0.50% · 4.625%
HK$255,789
+HK$14,671/mo
Deposit HK$21.32M · loan HK$49.75M · min. income ≈ HK$482,236/mo (50% DSR)
Upfront cash ≈ HK$24.34M (deposit + AVD stamp duty HK$3,020,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,412
−HK$13,637/mo
▼ 0.25% · 3.875%
HK$259,182
−HK$6,867/mo
Today · 4.125%
HK$266,049
baseline
▲ 0.50% · 4.625%
HK$280,073
+HK$14,024/mo
Deposit HK$21.32M · loan HK$49.75M · min. income ≈ HK$532,098/mo (50% DSR)
Upfront cash ≈ HK$24.34M (deposit + AVD stamp duty HK$3,020,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,715
−HK$18,293/mo
▼ 0.25% · 3.875%
HK$300,789
−HK$9,219/mo
Today · 4.125%
HK$310,008
baseline
▲ 0.50% · 4.625%
HK$328,872
+HK$18,864/mo
Deposit HK$7.11M · loan HK$63.97M · min. income ≈ HK$620,016/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$3,020,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$324,530
−HK$17,534/mo
▼ 0.25% · 3.875%
HK$333,234
−HK$8,830/mo
Today · 4.125%
HK$342,064
baseline
▲ 0.50% · 4.625%
HK$360,094
+HK$18,030/mo
Deposit HK$7.11M · loan HK$63.97M · min. income ≈ HK$684,128/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$3,020,590 · Scale 2, in force from 26 Feb 2026)