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$160,705
−HK$10,078/mo
▼ 0.25% · 3.875%
HK$165,704
−HK$5,079/mo
Today · 4.125%
HK$170,783
baseline
▲ 0.50% · 4.625%
HK$181,174
+HK$10,391/mo
Deposit HK$35.24M · loan HK$35.24M · min. income ≈ HK$341,566/mo (50% DSR)
Upfront cash ≈ HK$38.23M (deposit + AVD stamp duty HK$2,995,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,783
−HK$9,659/mo
▼ 0.25% · 3.875%
HK$183,578
−HK$4,864/mo
Today · 4.125%
HK$188,442
baseline
▲ 0.50% · 4.625%
HK$198,375
+HK$9,933/mo
Deposit HK$35.24M · loan HK$35.24M · min. income ≈ HK$376,884/mo (50% DSR)
Upfront cash ≈ HK$38.23M (deposit + AVD stamp duty HK$2,995,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,846
−HK$12,093/mo
▼ 0.25% · 3.875%
HK$198,845
−HK$6,094/mo
Today · 4.125%
HK$204,939
baseline
▲ 0.50% · 4.625%
HK$217,409
+HK$12,470/mo
Deposit HK$28.19M · loan HK$42.29M · min. income ≈ HK$409,878/mo (50% DSR)
Upfront cash ≈ HK$31.19M (deposit + AVD stamp duty HK$2,995,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,539
−HK$11,591/mo
▼ 0.25% · 3.875%
HK$220,293
−HK$5,837/mo
Today · 4.125%
HK$226,130
baseline
▲ 0.50% · 4.625%
HK$238,050
+HK$11,920/mo
Deposit HK$28.19M · loan HK$42.29M · min. income ≈ HK$452,260/mo (50% DSR)
Upfront cash ≈ HK$31.19M (deposit + AVD stamp duty HK$2,995,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,987
−HK$14,109/mo
▼ 0.25% · 3.875%
HK$231,985
−HK$7,111/mo
Today · 4.125%
HK$239,096
baseline
▲ 0.50% · 4.625%
HK$253,644
+HK$14,548/mo
Deposit HK$21.14M · loan HK$49.33M · min. income ≈ HK$478,192/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$2,995,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,296
−HK$13,523/mo
▼ 0.25% · 3.875%
HK$257,009
−HK$6,810/mo
Today · 4.125%
HK$263,819
baseline
▲ 0.50% · 4.625%
HK$277,725
+HK$13,906/mo
Deposit HK$21.14M · loan HK$49.33M · min. income ≈ HK$527,638/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$2,995,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,269
−HK$18,140/mo
▼ 0.25% · 3.875%
HK$298,267
−HK$9,142/mo
Today · 4.125%
HK$307,409
baseline
▲ 0.50% · 4.625%
HK$326,114
+HK$18,705/mo
Deposit HK$7.05M · loan HK$63.43M · min. income ≈ HK$614,818/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$2,995,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$321,809
−HK$17,386/mo
▼ 0.25% · 3.875%
HK$330,440
−HK$8,755/mo
Today · 4.125%
HK$339,195
baseline
▲ 0.50% · 4.625%
HK$357,075
+HK$17,880/mo
Deposit HK$7.05M · loan HK$63.43M · min. income ≈ HK$678,390/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$2,995,262 · Scale 2, in force from 26 Feb 2026)