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$161,590
−HK$10,134/mo
▼ 0.25% · 3.875%
HK$166,617
−HK$5,107/mo
Today · 4.125%
HK$171,724
baseline
▲ 0.50% · 4.625%
HK$182,172
+HK$10,448/mo
Deposit HK$35.43M · loan HK$35.43M · min. income ≈ HK$343,448/mo (50% DSR)
Upfront cash ≈ HK$38.44M (deposit + AVD stamp duty HK$3,011,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,768
−HK$9,712/mo
▼ 0.25% · 3.875%
HK$184,589
−HK$4,891/mo
Today · 4.125%
HK$189,480
baseline
▲ 0.50% · 4.625%
HK$199,468
+HK$9,988/mo
Deposit HK$35.43M · loan HK$35.43M · min. income ≈ HK$378,960/mo (50% DSR)
Upfront cash ≈ HK$38.44M (deposit + AVD stamp duty HK$3,011,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,908
−HK$12,160/mo
▼ 0.25% · 3.875%
HK$199,940
−HK$6,128/mo
Today · 4.125%
HK$206,068
baseline
▲ 0.50% · 4.625%
HK$218,607
+HK$12,539/mo
Deposit HK$28.35M · loan HK$42.52M · min. income ≈ HK$412,136/mo (50% DSR)
Upfront cash ≈ HK$31.36M (deposit + AVD stamp duty HK$3,011,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,721
−HK$11,655/mo
▼ 0.25% · 3.875%
HK$221,507
−HK$5,869/mo
Today · 4.125%
HK$227,376
baseline
▲ 0.50% · 4.625%
HK$239,361
+HK$11,985/mo
Deposit HK$28.35M · loan HK$42.52M · min. income ≈ HK$454,752/mo (50% DSR)
Upfront cash ≈ HK$31.36M (deposit + AVD stamp duty HK$3,011,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,227
−HK$14,186/mo
▼ 0.25% · 3.875%
HK$233,263
−HK$7,150/mo
Today · 4.125%
HK$240,413
baseline
▲ 0.50% · 4.625%
HK$255,041
+HK$14,628/mo
Deposit HK$21.26M · loan HK$49.61M · min. income ≈ HK$480,826/mo (50% DSR)
Upfront cash ≈ HK$24.27M (deposit + AVD stamp duty HK$3,011,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,675
−HK$13,597/mo
▼ 0.25% · 3.875%
HK$258,425
−HK$6,847/mo
Today · 4.125%
HK$265,272
baseline
▲ 0.50% · 4.625%
HK$279,255
+HK$13,983/mo
Deposit HK$21.26M · loan HK$49.61M · min. income ≈ HK$530,544/mo (50% DSR)
Upfront cash ≈ HK$24.27M (deposit + AVD stamp duty HK$3,011,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,863
−HK$18,239/mo
▼ 0.25% · 3.875%
HK$299,910
−HK$9,192/mo
Today · 4.125%
HK$309,102
baseline
▲ 0.50% · 4.625%
HK$327,910
+HK$18,808/mo
Deposit HK$7.09M · loan HK$63.78M · min. income ≈ HK$618,204/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$3,011,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,582
−HK$17,482/mo
▼ 0.25% · 3.875%
HK$332,260
−HK$8,804/mo
Today · 4.125%
HK$341,064
baseline
▲ 0.50% · 4.625%
HK$359,042
+HK$17,978/mo
Deposit HK$7.09M · loan HK$63.78M · min. income ≈ HK$682,128/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$3,011,763 · Scale 2, in force from 26 Feb 2026)