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$164,699
−HK$10,328/mo
▼ 0.25% · 3.875%
HK$169,822
−HK$5,205/mo
Today · 4.125%
HK$175,027
baseline
▲ 0.50% · 4.625%
HK$185,677
+HK$10,650/mo
Deposit HK$36.11M · loan HK$36.11M · min. income ≈ HK$350,054/mo (50% DSR)
Upfront cash ≈ HK$39.18M (deposit + AVD stamp duty HK$3,069,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,226
−HK$9,899/mo
▼ 0.25% · 3.875%
HK$188,140
−HK$4,985/mo
Today · 4.125%
HK$193,125
baseline
▲ 0.50% · 4.625%
HK$203,305
+HK$10,180/mo
Deposit HK$36.11M · loan HK$36.11M · min. income ≈ HK$386,250/mo (50% DSR)
Upfront cash ≈ HK$39.18M (deposit + AVD stamp duty HK$3,069,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,639
−HK$12,394/mo
▼ 0.25% · 3.875%
HK$203,787
−HK$6,246/mo
Today · 4.125%
HK$210,033
baseline
▲ 0.50% · 4.625%
HK$222,813
+HK$12,780/mo
Deposit HK$28.89M · loan HK$43.34M · min. income ≈ HK$420,066/mo (50% DSR)
Upfront cash ≈ HK$31.96M (deposit + AVD stamp duty HK$3,069,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,871
−HK$11,879/mo
▼ 0.25% · 3.875%
HK$225,768
−HK$5,982/mo
Today · 4.125%
HK$231,750
baseline
▲ 0.50% · 4.625%
HK$243,966
+HK$12,216/mo
Deposit HK$28.89M · loan HK$43.34M · min. income ≈ HK$463,500/mo (50% DSR)
Upfront cash ≈ HK$31.96M (deposit + AVD stamp duty HK$3,069,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,579
−HK$14,459/mo
▼ 0.25% · 3.875%
HK$237,751
−HK$7,287/mo
Today · 4.125%
HK$245,038
baseline
▲ 0.50% · 4.625%
HK$259,948
+HK$14,910/mo
Deposit HK$21.67M · loan HK$50.56M · min. income ≈ HK$490,076/mo (50% DSR)
Upfront cash ≈ HK$24.74M (deposit + AVD stamp duty HK$3,069,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,516
−HK$13,859/mo
▼ 0.25% · 3.875%
HK$263,396
−HK$6,979/mo
Today · 4.125%
HK$270,375
baseline
▲ 0.50% · 4.625%
HK$284,627
+HK$14,252/mo
Deposit HK$21.67M · loan HK$50.56M · min. income ≈ HK$540,750/mo (50% DSR)
Upfront cash ≈ HK$24.74M (deposit + AVD stamp duty HK$3,069,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,458
−HK$18,591/mo
▼ 0.25% · 3.875%
HK$305,680
−HK$9,369/mo
Today · 4.125%
HK$315,049
baseline
▲ 0.50% · 4.625%
HK$334,219
+HK$19,170/mo
Deposit HK$7.22M · loan HK$65.01M · min. income ≈ HK$630,098/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$3,069,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$329,807
−HK$17,818/mo
▼ 0.25% · 3.875%
HK$338,652
−HK$8,973/mo
Today · 4.125%
HK$347,625
baseline
▲ 0.50% · 4.625%
HK$365,949
+HK$18,324/mo
Deposit HK$7.22M · loan HK$65.01M · min. income ≈ HK$695,250/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$3,069,704 · Scale 2, in force from 26 Feb 2026)