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$163,418
−HK$10,248/mo
▼ 0.25% · 3.875%
HK$168,501
−HK$5,165/mo
Today · 4.125%
HK$173,666
baseline
▲ 0.50% · 4.625%
HK$184,233
+HK$10,567/mo
Deposit HK$35.83M · loan HK$35.83M · min. income ≈ HK$347,332/mo (50% DSR)
Upfront cash ≈ HK$38.88M (deposit + AVD stamp duty HK$3,045,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,801
−HK$9,822/mo
▼ 0.25% · 3.875%
HK$186,677
−HK$4,946/mo
Today · 4.125%
HK$191,623
baseline
▲ 0.50% · 4.625%
HK$201,724
+HK$10,101/mo
Deposit HK$35.83M · loan HK$35.83M · min. income ≈ HK$383,246/mo (50% DSR)
Upfront cash ≈ HK$38.88M (deposit + AVD stamp duty HK$3,045,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,102
−HK$12,297/mo
▼ 0.25% · 3.875%
HK$202,201
−HK$6,198/mo
Today · 4.125%
HK$208,399
baseline
▲ 0.50% · 4.625%
HK$221,079
+HK$12,680/mo
Deposit HK$28.67M · loan HK$43.00M · min. income ≈ HK$416,798/mo (50% DSR)
Upfront cash ≈ HK$31.71M (deposit + AVD stamp duty HK$3,045,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,161
−HK$11,787/mo
▼ 0.25% · 3.875%
HK$224,012
−HK$5,936/mo
Today · 4.125%
HK$229,948
baseline
▲ 0.50% · 4.625%
HK$242,068
+HK$12,120/mo
Deposit HK$28.67M · loan HK$43.00M · min. income ≈ HK$459,896/mo (50% DSR)
Upfront cash ≈ HK$31.71M (deposit + AVD stamp duty HK$3,045,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,785
−HK$14,347/mo
▼ 0.25% · 3.875%
HK$235,902
−HK$7,230/mo
Today · 4.125%
HK$243,132
baseline
▲ 0.50% · 4.625%
HK$257,926
+HK$14,794/mo
Deposit HK$21.50M · loan HK$50.17M · min. income ≈ HK$486,264/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$3,045,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,521
−HK$13,751/mo
▼ 0.25% · 3.875%
HK$261,347
−HK$6,925/mo
Today · 4.125%
HK$268,272
baseline
▲ 0.50% · 4.625%
HK$282,413
+HK$14,141/mo
Deposit HK$21.50M · loan HK$50.17M · min. income ≈ HK$536,544/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$3,045,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,152
−HK$18,446/mo
▼ 0.25% · 3.875%
HK$303,302
−HK$9,296/mo
Today · 4.125%
HK$312,598
baseline
▲ 0.50% · 4.625%
HK$331,619
+HK$19,021/mo
Deposit HK$7.17M · loan HK$64.50M · min. income ≈ HK$625,196/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$3,045,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$327,242
−HK$17,679/mo
▼ 0.25% · 3.875%
HK$336,018
−HK$8,903/mo
Today · 4.125%
HK$344,921
baseline
▲ 0.50% · 4.625%
HK$363,103
+HK$18,182/mo
Deposit HK$7.17M · loan HK$64.50M · min. income ≈ HK$689,842/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$3,045,826 · Scale 2, in force from 26 Feb 2026)