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$165,266
−HK$10,363/mo
▼ 0.25% · 3.875%
HK$170,406
−HK$5,223/mo
Today · 4.125%
HK$175,629
baseline
▲ 0.50% · 4.625%
HK$186,316
+HK$10,687/mo
Deposit HK$36.24M · loan HK$36.24M · min. income ≈ HK$351,258/mo (50% DSR)
Upfront cash ≈ HK$39.32M (deposit + AVD stamp duty HK$3,080,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,856
−HK$9,934/mo
▼ 0.25% · 3.875%
HK$188,787
−HK$5,003/mo
Today · 4.125%
HK$193,790
baseline
▲ 0.50% · 4.625%
HK$204,005
+HK$10,215/mo
Deposit HK$36.24M · loan HK$36.24M · min. income ≈ HK$387,580/mo (50% DSR)
Upfront cash ≈ HK$39.32M (deposit + AVD stamp duty HK$3,080,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,319
−HK$12,436/mo
▼ 0.25% · 3.875%
HK$204,488
−HK$6,267/mo
Today · 4.125%
HK$210,755
baseline
▲ 0.50% · 4.625%
HK$223,579
+HK$12,824/mo
Deposit HK$28.99M · loan HK$43.49M · min. income ≈ HK$421,510/mo (50% DSR)
Upfront cash ≈ HK$32.07M (deposit + AVD stamp duty HK$3,080,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,628
−HK$11,920/mo
▼ 0.25% · 3.875%
HK$226,545
−HK$6,003/mo
Today · 4.125%
HK$232,548
baseline
▲ 0.50% · 4.625%
HK$244,806
+HK$12,258/mo
Deposit HK$28.99M · loan HK$43.49M · min. income ≈ HK$465,096/mo (50% DSR)
Upfront cash ≈ HK$32.07M (deposit + AVD stamp duty HK$3,080,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,372
−HK$14,509/mo
▼ 0.25% · 3.875%
HK$238,569
−HK$7,312/mo
Today · 4.125%
HK$245,881
baseline
▲ 0.50% · 4.625%
HK$260,842
+HK$14,961/mo
Deposit HK$21.74M · loan HK$50.73M · min. income ≈ HK$491,762/mo (50% DSR)
Upfront cash ≈ HK$24.82M (deposit + AVD stamp duty HK$3,080,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,399
−HK$13,907/mo
▼ 0.25% · 3.875%
HK$264,302
−HK$7,004/mo
Today · 4.125%
HK$271,306
baseline
▲ 0.50% · 4.625%
HK$285,606
+HK$14,300/mo
Deposit HK$21.74M · loan HK$50.73M · min. income ≈ HK$542,612/mo (50% DSR)
Upfront cash ≈ HK$24.82M (deposit + AVD stamp duty HK$3,080,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,478
−HK$18,655/mo
▼ 0.25% · 3.875%
HK$306,732
−HK$9,401/mo
Today · 4.125%
HK$316,133
baseline
▲ 0.50% · 4.625%
HK$335,369
+HK$19,236/mo
Deposit HK$7.25M · loan HK$65.23M · min. income ≈ HK$632,266/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$3,080,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$330,942
−HK$17,879/mo
▼ 0.25% · 3.875%
HK$339,817
−HK$9,004/mo
Today · 4.125%
HK$348,821
baseline
▲ 0.50% · 4.625%
HK$367,208
+HK$18,387/mo
Deposit HK$7.25M · loan HK$65.23M · min. income ≈ HK$697,642/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$3,080,265 · Scale 2, in force from 26 Feb 2026)