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$159,667
−HK$10,012/mo
▼ 0.25% · 3.875%
HK$164,633
−HK$5,046/mo
Today · 4.125%
HK$169,679
baseline
▲ 0.50% · 4.625%
HK$180,004
+HK$10,325/mo
Deposit HK$35.01M · loan HK$35.01M · min. income ≈ HK$339,358/mo (50% DSR)
Upfront cash ≈ HK$37.99M (deposit + AVD stamp duty HK$2,975,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,628
−HK$9,596/mo
▼ 0.25% · 3.875%
HK$182,392
−HK$4,832/mo
Today · 4.125%
HK$187,224
baseline
▲ 0.50% · 4.625%
HK$197,093
+HK$9,869/mo
Deposit HK$35.01M · loan HK$35.01M · min. income ≈ HK$374,448/mo (50% DSR)
Upfront cash ≈ HK$37.99M (deposit + AVD stamp duty HK$2,975,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,600
−HK$12,015/mo
▼ 0.25% · 3.875%
HK$197,560
−HK$6,055/mo
Today · 4.125%
HK$203,615
baseline
▲ 0.50% · 4.625%
HK$216,005
+HK$12,390/mo
Deposit HK$28.01M · loan HK$42.01M · min. income ≈ HK$407,230/mo (50% DSR)
Upfront cash ≈ HK$30.98M (deposit + AVD stamp duty HK$2,975,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,153
−HK$11,516/mo
▼ 0.25% · 3.875%
HK$218,870
−HK$5,799/mo
Today · 4.125%
HK$224,669
baseline
▲ 0.50% · 4.625%
HK$236,512
+HK$11,843/mo
Deposit HK$28.01M · loan HK$42.01M · min. income ≈ HK$449,338/mo (50% DSR)
Upfront cash ≈ HK$30.98M (deposit + AVD stamp duty HK$2,975,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,533
−HK$14,018/mo
▼ 0.25% · 3.875%
HK$230,487
−HK$7,064/mo
Today · 4.125%
HK$237,551
baseline
▲ 0.50% · 4.625%
HK$252,005
+HK$14,454/mo
Deposit HK$21.01M · loan HK$49.01M · min. income ≈ HK$475,102/mo (50% DSR)
Upfront cash ≈ HK$23.98M (deposit + AVD stamp duty HK$2,975,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,679
−HK$13,435/mo
▼ 0.25% · 3.875%
HK$255,348
−HK$6,766/mo
Today · 4.125%
HK$262,114
baseline
▲ 0.50% · 4.625%
HK$275,930
+HK$13,816/mo
Deposit HK$21.01M · loan HK$49.01M · min. income ≈ HK$524,228/mo (50% DSR)
Upfront cash ≈ HK$23.98M (deposit + AVD stamp duty HK$2,975,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,400
−HK$18,023/mo
▼ 0.25% · 3.875%
HK$296,340
−HK$9,083/mo
Today · 4.125%
HK$305,423
baseline
▲ 0.50% · 4.625%
HK$324,007
+HK$18,584/mo
Deposit HK$7.00M · loan HK$63.02M · min. income ≈ HK$610,846/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$2,975,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$319,730
−HK$17,274/mo
▼ 0.25% · 3.875%
HK$328,305
−HK$8,699/mo
Today · 4.125%
HK$337,004
baseline
▲ 0.50% · 4.625%
HK$354,768
+HK$17,764/mo
Deposit HK$7.00M · loan HK$63.02M · min. income ≈ HK$674,008/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$2,975,909 · Scale 2, in force from 26 Feb 2026)