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$160,844
−HK$10,087/mo
▼ 0.25% · 3.875%
HK$165,847
−HK$5,084/mo
Today · 4.125%
HK$170,931
baseline
▲ 0.50% · 4.625%
HK$181,331
+HK$10,400/mo
Deposit HK$35.27M · loan HK$35.27M · min. income ≈ HK$341,862/mo (50% DSR)
Upfront cash ≈ HK$38.27M (deposit + AVD stamp duty HK$2,997,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,938
−HK$9,667/mo
▼ 0.25% · 3.875%
HK$183,737
−HK$4,868/mo
Today · 4.125%
HK$188,605
baseline
▲ 0.50% · 4.625%
HK$198,547
+HK$9,942/mo
Deposit HK$35.27M · loan HK$35.27M · min. income ≈ HK$377,210/mo (50% DSR)
Upfront cash ≈ HK$38.27M (deposit + AVD stamp duty HK$2,997,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,013
−HK$12,104/mo
▼ 0.25% · 3.875%
HK$199,017
−HK$6,100/mo
Today · 4.125%
HK$205,117
baseline
▲ 0.50% · 4.625%
HK$217,598
+HK$12,481/mo
Deposit HK$28.22M · loan HK$42.32M · min. income ≈ HK$410,234/mo (50% DSR)
Upfront cash ≈ HK$31.21M (deposit + AVD stamp duty HK$2,997,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,725
−HK$11,601/mo
▼ 0.25% · 3.875%
HK$220,484
−HK$5,842/mo
Today · 4.125%
HK$226,326
baseline
▲ 0.50% · 4.625%
HK$238,256
+HK$11,930/mo
Deposit HK$28.22M · loan HK$42.32M · min. income ≈ HK$452,652/mo (50% DSR)
Upfront cash ≈ HK$31.21M (deposit + AVD stamp duty HK$2,997,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,182
−HK$14,121/mo
▼ 0.25% · 3.875%
HK$232,186
−HK$7,117/mo
Today · 4.125%
HK$239,303
baseline
▲ 0.50% · 4.625%
HK$253,864
+HK$14,561/mo
Deposit HK$21.16M · loan HK$49.38M · min. income ≈ HK$478,606/mo (50% DSR)
Upfront cash ≈ HK$24.16M (deposit + AVD stamp duty HK$2,997,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,513
−HK$13,534/mo
▼ 0.25% · 3.875%
HK$257,231
−HK$6,816/mo
Today · 4.125%
HK$264,047
baseline
▲ 0.50% · 4.625%
HK$277,965
+HK$13,918/mo
Deposit HK$21.16M · loan HK$49.38M · min. income ≈ HK$528,094/mo (50% DSR)
Upfront cash ≈ HK$24.16M (deposit + AVD stamp duty HK$2,997,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,520
−HK$18,155/mo
▼ 0.25% · 3.875%
HK$298,525
−HK$9,150/mo
Today · 4.125%
HK$307,675
baseline
▲ 0.50% · 4.625%
HK$326,396
+HK$18,721/mo
Deposit HK$7.05M · loan HK$63.48M · min. income ≈ HK$615,350/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$2,997,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$322,088
−HK$17,401/mo
▼ 0.25% · 3.875%
HK$330,726
−HK$8,763/mo
Today · 4.125%
HK$339,489
baseline
▲ 0.50% · 4.625%
HK$357,384
+HK$17,895/mo
Deposit HK$7.05M · loan HK$63.48M · min. income ≈ HK$678,978/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$2,997,856 · Scale 2, in force from 26 Feb 2026)