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$163,848
−HK$10,275/mo
▼ 0.25% · 3.875%
HK$168,945
−HK$5,178/mo
Today · 4.125%
HK$174,123
baseline
▲ 0.50% · 4.625%
HK$184,718
+HK$10,595/mo
Deposit HK$35.93M · loan HK$35.93M · min. income ≈ HK$348,246/mo (50% DSR)
Upfront cash ≈ HK$38.98M (deposit + AVD stamp duty HK$3,053,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,279
−HK$9,848/mo
▼ 0.25% · 3.875%
HK$187,168
−HK$4,959/mo
Today · 4.125%
HK$192,127
baseline
▲ 0.50% · 4.625%
HK$202,254
+HK$10,127/mo
Deposit HK$35.93M · loan HK$35.93M · min. income ≈ HK$384,254/mo (50% DSR)
Upfront cash ≈ HK$38.98M (deposit + AVD stamp duty HK$3,053,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,618
−HK$12,329/mo
▼ 0.25% · 3.875%
HK$202,733
−HK$6,214/mo
Today · 4.125%
HK$208,947
baseline
▲ 0.50% · 4.625%
HK$221,661
+HK$12,714/mo
Deposit HK$28.74M · loan HK$43.11M · min. income ≈ HK$417,894/mo (50% DSR)
Upfront cash ≈ HK$31.80M (deposit + AVD stamp duty HK$3,053,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,735
−HK$11,818/mo
▼ 0.25% · 3.875%
HK$224,601
−HK$5,952/mo
Today · 4.125%
HK$230,553
baseline
▲ 0.50% · 4.625%
HK$242,705
+HK$12,152/mo
Deposit HK$28.74M · loan HK$43.11M · min. income ≈ HK$461,106/mo (50% DSR)
Upfront cash ≈ HK$31.80M (deposit + AVD stamp duty HK$3,053,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,387
−HK$14,385/mo
▼ 0.25% · 3.875%
HK$236,522
−HK$7,250/mo
Today · 4.125%
HK$243,772
baseline
▲ 0.50% · 4.625%
HK$258,605
+HK$14,833/mo
Deposit HK$21.56M · loan HK$50.30M · min. income ≈ HK$487,544/mo (50% DSR)
Upfront cash ≈ HK$24.61M (deposit + AVD stamp duty HK$3,053,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,191
−HK$13,787/mo
▼ 0.25% · 3.875%
HK$262,035
−HK$6,943/mo
Today · 4.125%
HK$268,978
baseline
▲ 0.50% · 4.625%
HK$283,156
+HK$14,178/mo
Deposit HK$21.56M · loan HK$50.30M · min. income ≈ HK$537,956/mo (50% DSR)
Upfront cash ≈ HK$24.61M (deposit + AVD stamp duty HK$3,053,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,926
−HK$18,495/mo
▼ 0.25% · 3.875%
HK$304,100
−HK$9,321/mo
Today · 4.125%
HK$313,421
baseline
▲ 0.50% · 4.625%
HK$332,492
+HK$19,071/mo
Deposit HK$7.19M · loan HK$64.67M · min. income ≈ HK$626,842/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$3,053,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,103
−HK$17,726/mo
▼ 0.25% · 3.875%
HK$336,902
−HK$8,927/mo
Today · 4.125%
HK$345,829
baseline
▲ 0.50% · 4.625%
HK$364,058
+HK$18,229/mo
Deposit HK$7.19M · loan HK$64.67M · min. income ≈ HK$691,658/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$3,053,840 · Scale 2, in force from 26 Feb 2026)