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$165,197
−HK$10,359/mo
▼ 0.25% · 3.875%
HK$170,335
−HK$5,221/mo
Today · 4.125%
HK$175,556
baseline
▲ 0.50% · 4.625%
HK$186,238
+HK$10,682/mo
Deposit HK$36.22M · loan HK$36.22M · min. income ≈ HK$351,112/mo (50% DSR)
Upfront cash ≈ HK$39.30M (deposit + AVD stamp duty HK$3,078,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,780
−HK$9,929/mo
▼ 0.25% · 3.875%
HK$188,708
−HK$5,001/mo
Today · 4.125%
HK$193,709
baseline
▲ 0.50% · 4.625%
HK$203,919
+HK$10,210/mo
Deposit HK$36.22M · loan HK$36.22M · min. income ≈ HK$387,418/mo (50% DSR)
Upfront cash ≈ HK$39.30M (deposit + AVD stamp duty HK$3,078,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,236
−HK$12,431/mo
▼ 0.25% · 3.875%
HK$204,402
−HK$6,265/mo
Today · 4.125%
HK$210,667
baseline
▲ 0.50% · 4.625%
HK$223,486
+HK$12,819/mo
Deposit HK$28.98M · loan HK$43.47M · min. income ≈ HK$421,334/mo (50% DSR)
Upfront cash ≈ HK$32.06M (deposit + AVD stamp duty HK$3,078,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,535
−HK$11,915/mo
▼ 0.25% · 3.875%
HK$226,450
−HK$6,000/mo
Today · 4.125%
HK$232,450
baseline
▲ 0.50% · 4.625%
HK$244,703
+HK$12,253/mo
Deposit HK$28.98M · loan HK$43.47M · min. income ≈ HK$464,900/mo (50% DSR)
Upfront cash ≈ HK$32.06M (deposit + AVD stamp duty HK$3,078,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,275
−HK$14,503/mo
▼ 0.25% · 3.875%
HK$238,469
−HK$7,309/mo
Today · 4.125%
HK$245,778
baseline
▲ 0.50% · 4.625%
HK$260,733
+HK$14,955/mo
Deposit HK$21.73M · loan HK$50.71M · min. income ≈ HK$491,556/mo (50% DSR)
Upfront cash ≈ HK$24.81M (deposit + AVD stamp duty HK$3,078,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,291
−HK$13,901/mo
▼ 0.25% · 3.875%
HK$264,192
−HK$7,000/mo
Today · 4.125%
HK$271,192
baseline
▲ 0.50% · 4.625%
HK$285,487
+HK$14,295/mo
Deposit HK$21.73M · loan HK$50.71M · min. income ≈ HK$542,384/mo (50% DSR)
Upfront cash ≈ HK$24.81M (deposit + AVD stamp duty HK$3,078,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,354
−HK$18,647/mo
▼ 0.25% · 3.875%
HK$306,603
−HK$9,398/mo
Today · 4.125%
HK$316,001
baseline
▲ 0.50% · 4.625%
HK$335,228
+HK$19,227/mo
Deposit HK$7.24M · loan HK$65.20M · min. income ≈ HK$632,002/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$3,078,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$330,803
−HK$17,872/mo
▼ 0.25% · 3.875%
HK$339,675
−HK$9,000/mo
Today · 4.125%
HK$348,675
baseline
▲ 0.50% · 4.625%
HK$367,055
+HK$18,380/mo
Deposit HK$7.24M · loan HK$65.20M · min. income ≈ HK$697,350/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$3,078,976 · Scale 2, in force from 26 Feb 2026)