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$163,105
−HK$10,228/mo
▼ 0.25% · 3.875%
HK$168,179
−HK$5,154/mo
Today · 4.125%
HK$173,333
baseline
▲ 0.50% · 4.625%
HK$183,880
+HK$10,547/mo
Deposit HK$35.76M · loan HK$35.76M · min. income ≈ HK$346,666/mo (50% DSR)
Upfront cash ≈ HK$38.80M (deposit + AVD stamp duty HK$3,039,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,453
−HK$9,803/mo
▼ 0.25% · 3.875%
HK$186,319
−HK$4,937/mo
Today · 4.125%
HK$191,256
baseline
▲ 0.50% · 4.625%
HK$201,338
+HK$10,082/mo
Deposit HK$35.76M · loan HK$35.76M · min. income ≈ HK$382,512/mo (50% DSR)
Upfront cash ≈ HK$38.80M (deposit + AVD stamp duty HK$3,039,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,726
−HK$12,274/mo
▼ 0.25% · 3.875%
HK$201,814
−HK$6,186/mo
Today · 4.125%
HK$208,000
baseline
▲ 0.50% · 4.625%
HK$220,656
+HK$12,656/mo
Deposit HK$28.61M · loan HK$42.92M · min. income ≈ HK$416,000/mo (50% DSR)
Upfront cash ≈ HK$31.65M (deposit + AVD stamp duty HK$3,039,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,744
−HK$11,764/mo
▼ 0.25% · 3.875%
HK$223,583
−HK$5,925/mo
Today · 4.125%
HK$229,508
baseline
▲ 0.50% · 4.625%
HK$241,605
+HK$12,097/mo
Deposit HK$28.61M · loan HK$42.92M · min. income ≈ HK$459,016/mo (50% DSR)
Upfront cash ≈ HK$31.65M (deposit + AVD stamp duty HK$3,039,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,347
−HK$14,320/mo
▼ 0.25% · 3.875%
HK$235,450
−HK$7,217/mo
Today · 4.125%
HK$242,667
baseline
▲ 0.50% · 4.625%
HK$257,432
+HK$14,765/mo
Deposit HK$21.46M · loan HK$50.07M · min. income ≈ HK$485,334/mo (50% DSR)
Upfront cash ≈ HK$24.50M (deposit + AVD stamp duty HK$3,039,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,034
−HK$13,725/mo
▼ 0.25% · 3.875%
HK$260,847
−HK$6,912/mo
Today · 4.125%
HK$267,759
baseline
▲ 0.50% · 4.625%
HK$281,873
+HK$14,114/mo
Deposit HK$21.46M · loan HK$50.07M · min. income ≈ HK$535,518/mo (50% DSR)
Upfront cash ≈ HK$24.50M (deposit + AVD stamp duty HK$3,039,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,589
−HK$18,411/mo
▼ 0.25% · 3.875%
HK$302,722
−HK$9,278/mo
Today · 4.125%
HK$312,000
baseline
▲ 0.50% · 4.625%
HK$330,985
+HK$18,985/mo
Deposit HK$7.15M · loan HK$64.38M · min. income ≈ HK$624,000/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$3,039,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$326,615
−HK$17,646/mo
▼ 0.25% · 3.875%
HK$335,375
−HK$8,886/mo
Today · 4.125%
HK$344,261
baseline
▲ 0.50% · 4.625%
HK$362,408
+HK$18,147/mo
Deposit HK$7.15M · loan HK$64.38M · min. income ≈ HK$688,522/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$3,039,997 · Scale 2, in force from 26 Feb 2026)