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$165,108
−HK$10,354/mo
▼ 0.25% · 3.875%
HK$170,244
−HK$5,218/mo
Today · 4.125%
HK$175,462
baseline
▲ 0.50% · 4.625%
HK$186,138
+HK$10,676/mo
Deposit HK$36.20M · loan HK$36.20M · min. income ≈ HK$350,924/mo (50% DSR)
Upfront cash ≈ HK$39.28M (deposit + AVD stamp duty HK$3,077,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,681
−HK$9,924/mo
▼ 0.25% · 3.875%
HK$188,607
−HK$4,998/mo
Today · 4.125%
HK$193,605
baseline
▲ 0.50% · 4.625%
HK$203,810
+HK$10,205/mo
Deposit HK$36.20M · loan HK$36.20M · min. income ≈ HK$387,210/mo (50% DSR)
Upfront cash ≈ HK$39.28M (deposit + AVD stamp duty HK$3,077,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,130
−HK$12,424/mo
▼ 0.25% · 3.875%
HK$204,293
−HK$6,261/mo
Today · 4.125%
HK$210,554
baseline
▲ 0.50% · 4.625%
HK$223,366
+HK$12,812/mo
Deposit HK$28.96M · loan HK$43.44M · min. income ≈ HK$421,108/mo (50% DSR)
Upfront cash ≈ HK$32.04M (deposit + AVD stamp duty HK$3,077,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,417
−HK$11,909/mo
▼ 0.25% · 3.875%
HK$226,329
−HK$5,997/mo
Today · 4.125%
HK$232,326
baseline
▲ 0.50% · 4.625%
HK$244,572
+HK$12,246/mo
Deposit HK$28.96M · loan HK$43.44M · min. income ≈ HK$464,652/mo (50% DSR)
Upfront cash ≈ HK$32.04M (deposit + AVD stamp duty HK$3,077,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,151
−HK$14,496/mo
▼ 0.25% · 3.875%
HK$238,342
−HK$7,305/mo
Today · 4.125%
HK$245,647
baseline
▲ 0.50% · 4.625%
HK$260,594
+HK$14,947/mo
Deposit HK$21.72M · loan HK$50.69M · min. income ≈ HK$491,294/mo (50% DSR)
Upfront cash ≈ HK$24.80M (deposit + AVD stamp duty HK$3,077,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,154
−HK$13,893/mo
▼ 0.25% · 3.875%
HK$264,050
−HK$6,997/mo
Today · 4.125%
HK$271,047
baseline
▲ 0.50% · 4.625%
HK$285,334
+HK$14,287/mo
Deposit HK$21.72M · loan HK$50.69M · min. income ≈ HK$542,094/mo (50% DSR)
Upfront cash ≈ HK$24.80M (deposit + AVD stamp duty HK$3,077,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,195
−HK$18,636/mo
▼ 0.25% · 3.875%
HK$306,439
−HK$9,392/mo
Today · 4.125%
HK$315,831
baseline
▲ 0.50% · 4.625%
HK$335,049
+HK$19,218/mo
Deposit HK$7.24M · loan HK$65.17M · min. income ≈ HK$631,662/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$3,077,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$330,626
−HK$17,863/mo
▼ 0.25% · 3.875%
HK$339,493
−HK$8,996/mo
Today · 4.125%
HK$348,489
baseline
▲ 0.50% · 4.625%
HK$366,858
+HK$18,369/mo
Deposit HK$7.24M · loan HK$65.17M · min. income ≈ HK$696,978/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$3,077,328 · Scale 2, in force from 26 Feb 2026)