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$161,804
−HK$10,147/mo
▼ 0.25% · 3.875%
HK$166,837
−HK$5,114/mo
Today · 4.125%
HK$171,951
baseline
▲ 0.50% · 4.625%
HK$182,414
+HK$10,463/mo
Deposit HK$35.48M · loan HK$35.48M · min. income ≈ HK$343,902/mo (50% DSR)
Upfront cash ≈ HK$38.50M (deposit + AVD stamp duty HK$3,015,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,006
−HK$9,725/mo
▼ 0.25% · 3.875%
HK$184,833
−HK$4,898/mo
Today · 4.125%
HK$189,731
baseline
▲ 0.50% · 4.625%
HK$199,732
+HK$10,001/mo
Deposit HK$35.48M · loan HK$35.48M · min. income ≈ HK$379,462/mo (50% DSR)
Upfront cash ≈ HK$38.50M (deposit + AVD stamp duty HK$3,015,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,165
−HK$12,176/mo
▼ 0.25% · 3.875%
HK$200,205
−HK$6,136/mo
Today · 4.125%
HK$206,341
baseline
▲ 0.50% · 4.625%
HK$218,896
+HK$12,555/mo
Deposit HK$28.38M · loan HK$42.58M · min. income ≈ HK$412,682/mo (50% DSR)
Upfront cash ≈ HK$31.40M (deposit + AVD stamp duty HK$3,015,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,007
−HK$11,670/mo
▼ 0.25% · 3.875%
HK$221,800
−HK$5,877/mo
Today · 4.125%
HK$227,677
baseline
▲ 0.50% · 4.625%
HK$239,678
+HK$12,001/mo
Deposit HK$28.38M · loan HK$42.58M · min. income ≈ HK$455,354/mo (50% DSR)
Upfront cash ≈ HK$31.40M (deposit + AVD stamp duty HK$3,015,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,526
−HK$14,205/mo
▼ 0.25% · 3.875%
HK$233,572
−HK$7,159/mo
Today · 4.125%
HK$240,731
baseline
▲ 0.50% · 4.625%
HK$255,379
+HK$14,648/mo
Deposit HK$21.29M · loan HK$49.67M · min. income ≈ HK$481,462/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$3,015,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,008
−HK$13,615/mo
▼ 0.25% · 3.875%
HK$258,766
−HK$6,857/mo
Today · 4.125%
HK$265,623
baseline
▲ 0.50% · 4.625%
HK$279,624
+HK$14,001/mo
Deposit HK$21.29M · loan HK$49.67M · min. income ≈ HK$531,246/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$3,015,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,248
−HK$18,263/mo
▼ 0.25% · 3.875%
HK$300,307
−HK$9,204/mo
Today · 4.125%
HK$309,511
baseline
▲ 0.50% · 4.625%
HK$328,344
+HK$18,833/mo
Deposit HK$7.10M · loan HK$63.86M · min. income ≈ HK$619,022/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$3,015,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$324,010
−HK$17,505/mo
▼ 0.25% · 3.875%
HK$332,700
−HK$8,815/mo
Today · 4.125%
HK$341,515
baseline
▲ 0.50% · 4.625%
HK$359,517
+HK$18,002/mo
Deposit HK$7.10M · loan HK$63.86M · min. income ≈ HK$683,030/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$3,015,748 · Scale 2, in force from 26 Feb 2026)