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$160,290
−HK$10,052/mo
▼ 0.25% · 3.875%
HK$165,276
−HK$5,066/mo
Today · 4.125%
HK$170,342
baseline
▲ 0.50% · 4.625%
HK$180,706
+HK$10,364/mo
Deposit HK$35.15M · loan HK$35.15M · min. income ≈ HK$340,684/mo (50% DSR)
Upfront cash ≈ HK$38.13M (deposit + AVD stamp duty HK$2,987,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,321
−HK$9,634/mo
▼ 0.25% · 3.875%
HK$183,103
−HK$4,852/mo
Today · 4.125%
HK$187,955
baseline
▲ 0.50% · 4.625%
HK$197,862
+HK$9,907/mo
Deposit HK$35.15M · loan HK$35.15M · min. income ≈ HK$375,910/mo (50% DSR)
Upfront cash ≈ HK$38.13M (deposit + AVD stamp duty HK$2,987,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,348
−HK$12,062/mo
▼ 0.25% · 3.875%
HK$198,331
−HK$6,079/mo
Today · 4.125%
HK$204,410
baseline
▲ 0.50% · 4.625%
HK$216,848
+HK$12,438/mo
Deposit HK$28.12M · loan HK$42.18M · min. income ≈ HK$408,820/mo (50% DSR)
Upfront cash ≈ HK$31.11M (deposit + AVD stamp duty HK$2,987,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,985
−HK$11,561/mo
▼ 0.25% · 3.875%
HK$219,724
−HK$5,822/mo
Today · 4.125%
HK$225,546
baseline
▲ 0.50% · 4.625%
HK$237,435
+HK$11,889/mo
Deposit HK$28.12M · loan HK$42.18M · min. income ≈ HK$451,092/mo (50% DSR)
Upfront cash ≈ HK$31.11M (deposit + AVD stamp duty HK$2,987,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,406
−HK$14,072/mo
▼ 0.25% · 3.875%
HK$231,386
−HK$7,092/mo
Today · 4.125%
HK$238,478
baseline
▲ 0.50% · 4.625%
HK$252,989
+HK$14,511/mo
Deposit HK$21.09M · loan HK$49.21M · min. income ≈ HK$476,956/mo (50% DSR)
Upfront cash ≈ HK$24.08M (deposit + AVD stamp duty HK$2,987,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,649
−HK$13,488/mo
▼ 0.25% · 3.875%
HK$256,345
−HK$6,792/mo
Today · 4.125%
HK$263,137
baseline
▲ 0.50% · 4.625%
HK$277,007
+HK$13,870/mo
Deposit HK$21.09M · loan HK$49.21M · min. income ≈ HK$526,274/mo (50% DSR)
Upfront cash ≈ HK$24.08M (deposit + AVD stamp duty HK$2,987,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$288,522
−HK$18,093/mo
▼ 0.25% · 3.875%
HK$297,497
−HK$9,118/mo
Today · 4.125%
HK$306,615
baseline
▲ 0.50% · 4.625%
HK$325,272
+HK$18,657/mo
Deposit HK$7.03M · loan HK$63.27M · min. income ≈ HK$613,230/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$2,987,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$320,978
−HK$17,341/mo
▼ 0.25% · 3.875%
HK$329,586
−HK$8,733/mo
Today · 4.125%
HK$338,319
baseline
▲ 0.50% · 4.625%
HK$356,152
+HK$17,833/mo
Deposit HK$7.03M · loan HK$63.27M · min. income ≈ HK$676,638/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$2,987,526 · Scale 2, in force from 26 Feb 2026)