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$163,813
−HK$10,273/mo
▼ 0.25% · 3.875%
HK$168,909
−HK$5,177/mo
Today · 4.125%
HK$174,086
baseline
▲ 0.50% · 4.625%
HK$184,679
+HK$10,593/mo
Deposit HK$35.92M · loan HK$35.92M · min. income ≈ HK$348,172/mo (50% DSR)
Upfront cash ≈ HK$38.97M (deposit + AVD stamp duty HK$3,053,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,241
−HK$9,846/mo
▼ 0.25% · 3.875%
HK$187,128
−HK$4,959/mo
Today · 4.125%
HK$192,087
baseline
▲ 0.50% · 4.625%
HK$202,212
+HK$10,125/mo
Deposit HK$35.92M · loan HK$35.92M · min. income ≈ HK$384,174/mo (50% DSR)
Upfront cash ≈ HK$38.97M (deposit + AVD stamp duty HK$3,053,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,576
−HK$12,327/mo
▼ 0.25% · 3.875%
HK$202,691
−HK$6,212/mo
Today · 4.125%
HK$208,903
baseline
▲ 0.50% · 4.625%
HK$221,614
+HK$12,711/mo
Deposit HK$28.74M · loan HK$43.10M · min. income ≈ HK$417,806/mo (50% DSR)
Upfront cash ≈ HK$31.79M (deposit + AVD stamp duty HK$3,053,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,689
−HK$11,815/mo
▼ 0.25% · 3.875%
HK$224,554
−HK$5,950/mo
Today · 4.125%
HK$230,504
baseline
▲ 0.50% · 4.625%
HK$242,654
+HK$12,150/mo
Deposit HK$28.74M · loan HK$43.10M · min. income ≈ HK$461,008/mo (50% DSR)
Upfront cash ≈ HK$31.79M (deposit + AVD stamp duty HK$3,053,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,339
−HK$14,381/mo
▼ 0.25% · 3.875%
HK$236,472
−HK$7,248/mo
Today · 4.125%
HK$243,720
baseline
▲ 0.50% · 4.625%
HK$258,550
+HK$14,830/mo
Deposit HK$21.55M · loan HK$50.29M · min. income ≈ HK$487,440/mo (50% DSR)
Upfront cash ≈ HK$24.61M (deposit + AVD stamp duty HK$3,053,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,137
−HK$13,784/mo
▼ 0.25% · 3.875%
HK$261,980
−HK$6,941/mo
Today · 4.125%
HK$268,921
baseline
▲ 0.50% · 4.625%
HK$283,096
+HK$14,175/mo
Deposit HK$21.55M · loan HK$50.29M · min. income ≈ HK$537,842/mo (50% DSR)
Upfront cash ≈ HK$24.61M (deposit + AVD stamp duty HK$3,053,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,864
−HK$18,491/mo
▼ 0.25% · 3.875%
HK$304,036
−HK$9,319/mo
Today · 4.125%
HK$313,355
baseline
▲ 0.50% · 4.625%
HK$332,421
+HK$19,066/mo
Deposit HK$7.18M · loan HK$64.66M · min. income ≈ HK$626,710/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$3,053,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,033
−HK$17,723/mo
▼ 0.25% · 3.875%
HK$336,831
−HK$8,925/mo
Today · 4.125%
HK$345,756
baseline
▲ 0.50% · 4.625%
HK$363,981
+HK$18,225/mo
Deposit HK$7.18M · loan HK$64.66M · min. income ≈ HK$691,512/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$3,053,195 · Scale 2, in force from 26 Feb 2026)