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$165,248
−HK$10,363/mo
▼ 0.25% · 3.875%
HK$170,389
−HK$5,222/mo
Today · 4.125%
HK$175,611
baseline
▲ 0.50% · 4.625%
HK$186,297
+HK$10,686/mo
Deposit HK$36.23M · loan HK$36.23M · min. income ≈ HK$351,222/mo (50% DSR)
Upfront cash ≈ HK$39.31M (deposit + AVD stamp duty HK$3,079,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,837
−HK$9,932/mo
▼ 0.25% · 3.875%
HK$188,768
−HK$5,001/mo
Today · 4.125%
HK$193,769
baseline
▲ 0.50% · 4.625%
HK$203,983
+HK$10,214/mo
Deposit HK$36.23M · loan HK$36.23M · min. income ≈ HK$387,538/mo (50% DSR)
Upfront cash ≈ HK$39.31M (deposit + AVD stamp duty HK$3,079,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,298
−HK$12,435/mo
▼ 0.25% · 3.875%
HK$204,466
−HK$6,267/mo
Today · 4.125%
HK$210,733
baseline
▲ 0.50% · 4.625%
HK$223,556
+HK$12,823/mo
Deposit HK$28.99M · loan HK$43.48M · min. income ≈ HK$421,466/mo (50% DSR)
Upfront cash ≈ HK$32.07M (deposit + AVD stamp duty HK$3,079,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,605
−HK$11,918/mo
▼ 0.25% · 3.875%
HK$226,521
−HK$6,002/mo
Today · 4.125%
HK$232,523
baseline
▲ 0.50% · 4.625%
HK$244,780
+HK$12,257/mo
Deposit HK$28.99M · loan HK$43.48M · min. income ≈ HK$465,046/mo (50% DSR)
Upfront cash ≈ HK$32.07M (deposit + AVD stamp duty HK$3,079,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,348
−HK$14,507/mo
▼ 0.25% · 3.875%
HK$238,544
−HK$7,311/mo
Today · 4.125%
HK$245,855
baseline
▲ 0.50% · 4.625%
HK$260,815
+HK$14,960/mo
Deposit HK$21.74M · loan HK$50.73M · min. income ≈ HK$491,710/mo (50% DSR)
Upfront cash ≈ HK$24.82M (deposit + AVD stamp duty HK$3,079,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,372
−HK$13,905/mo
▼ 0.25% · 3.875%
HK$264,275
−HK$7,002/mo
Today · 4.125%
HK$271,277
baseline
▲ 0.50% · 4.625%
HK$285,577
+HK$14,300/mo
Deposit HK$21.74M · loan HK$50.73M · min. income ≈ HK$542,554/mo (50% DSR)
Upfront cash ≈ HK$24.82M (deposit + AVD stamp duty HK$3,079,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,447
−HK$18,653/mo
▼ 0.25% · 3.875%
HK$306,700
−HK$9,400/mo
Today · 4.125%
HK$316,100
baseline
▲ 0.50% · 4.625%
HK$335,334
+HK$19,234/mo
Deposit HK$7.25M · loan HK$65.22M · min. income ≈ HK$632,200/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$3,079,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$330,907
−HK$17,878/mo
▼ 0.25% · 3.875%
HK$339,782
−HK$9,003/mo
Today · 4.125%
HK$348,785
baseline
▲ 0.50% · 4.625%
HK$367,170
+HK$18,385/mo
Deposit HK$7.25M · loan HK$65.22M · min. income ≈ HK$697,570/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$3,079,944 · Scale 2, in force from 26 Feb 2026)