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$161,742
−HK$10,143/mo
▼ 0.25% · 3.875%
HK$166,773
−HK$5,112/mo
Today · 4.125%
HK$171,885
baseline
▲ 0.50% · 4.625%
HK$182,344
+HK$10,459/mo
Deposit HK$35.47M · loan HK$35.47M · min. income ≈ HK$343,770/mo (50% DSR)
Upfront cash ≈ HK$38.48M (deposit + AVD stamp duty HK$3,014,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,937
−HK$9,721/mo
▼ 0.25% · 3.875%
HK$184,762
−HK$4,896/mo
Today · 4.125%
HK$189,658
baseline
▲ 0.50% · 4.625%
HK$199,655
+HK$9,997/mo
Deposit HK$35.47M · loan HK$35.47M · min. income ≈ HK$379,316/mo (50% DSR)
Upfront cash ≈ HK$38.48M (deposit + AVD stamp duty HK$3,014,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,091
−HK$12,171/mo
▼ 0.25% · 3.875%
HK$200,128
−HK$6,134/mo
Today · 4.125%
HK$206,262
baseline
▲ 0.50% · 4.625%
HK$218,812
+HK$12,550/mo
Deposit HK$28.37M · loan HK$42.56M · min. income ≈ HK$412,524/mo (50% DSR)
Upfront cash ≈ HK$31.39M (deposit + AVD stamp duty HK$3,014,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,924
−HK$11,666/mo
▼ 0.25% · 3.875%
HK$221,715
−HK$5,875/mo
Today · 4.125%
HK$227,590
baseline
▲ 0.50% · 4.625%
HK$239,586
+HK$11,996/mo
Deposit HK$28.37M · loan HK$42.56M · min. income ≈ HK$455,180/mo (50% DSR)
Upfront cash ≈ HK$31.39M (deposit + AVD stamp duty HK$3,014,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,439
−HK$14,200/mo
▼ 0.25% · 3.875%
HK$233,483
−HK$7,156/mo
Today · 4.125%
HK$240,639
baseline
▲ 0.50% · 4.625%
HK$255,281
+HK$14,642/mo
Deposit HK$21.28M · loan HK$49.65M · min. income ≈ HK$481,278/mo (50% DSR)
Upfront cash ≈ HK$24.29M (deposit + AVD stamp duty HK$3,014,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,911
−HK$13,610/mo
▼ 0.25% · 3.875%
HK$258,667
−HK$6,854/mo
Today · 4.125%
HK$265,521
baseline
▲ 0.50% · 4.625%
HK$279,517
+HK$13,996/mo
Deposit HK$21.28M · loan HK$49.65M · min. income ≈ HK$531,042/mo (50% DSR)
Upfront cash ≈ HK$24.29M (deposit + AVD stamp duty HK$3,014,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,136
−HK$18,257/mo
▼ 0.25% · 3.875%
HK$300,192
−HK$9,201/mo
Today · 4.125%
HK$309,393
baseline
▲ 0.50% · 4.625%
HK$328,219
+HK$18,826/mo
Deposit HK$7.09M · loan HK$63.84M · min. income ≈ HK$618,786/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$3,014,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,886
−HK$17,498/mo
▼ 0.25% · 3.875%
HK$332,572
−HK$8,812/mo
Today · 4.125%
HK$341,384
baseline
▲ 0.50% · 4.625%
HK$359,379
+HK$17,995/mo
Deposit HK$7.09M · loan HK$63.84M · min. income ≈ HK$682,768/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$3,014,593 · Scale 2, in force from 26 Feb 2026)