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$164,291
−HK$10,302/mo
▼ 0.25% · 3.875%
HK$169,401
−HK$5,192/mo
Today · 4.125%
HK$174,593
baseline
▲ 0.50% · 4.625%
HK$185,217
+HK$10,624/mo
Deposit HK$36.02M · loan HK$36.02M · min. income ≈ HK$349,186/mo (50% DSR)
Upfront cash ≈ HK$39.09M (deposit + AVD stamp duty HK$3,062,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,772
−HK$9,874/mo
▼ 0.25% · 3.875%
HK$187,674
−HK$4,972/mo
Today · 4.125%
HK$192,646
baseline
▲ 0.50% · 4.625%
HK$202,801
+HK$10,155/mo
Deposit HK$36.02M · loan HK$36.02M · min. income ≈ HK$385,292/mo (50% DSR)
Upfront cash ≈ HK$39.09M (deposit + AVD stamp duty HK$3,062,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,149
−HK$12,363/mo
▼ 0.25% · 3.875%
HK$203,281
−HK$6,231/mo
Today · 4.125%
HK$209,512
baseline
▲ 0.50% · 4.625%
HK$222,260
+HK$12,748/mo
Deposit HK$28.82M · loan HK$43.23M · min. income ≈ HK$419,024/mo (50% DSR)
Upfront cash ≈ HK$31.88M (deposit + AVD stamp duty HK$3,062,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,326
−HK$11,850/mo
▼ 0.25% · 3.875%
HK$225,208
−HK$5,968/mo
Today · 4.125%
HK$231,176
baseline
▲ 0.50% · 4.625%
HK$243,361
+HK$12,185/mo
Deposit HK$28.82M · loan HK$43.23M · min. income ≈ HK$462,352/mo (50% DSR)
Upfront cash ≈ HK$31.88M (deposit + AVD stamp duty HK$3,062,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,007
−HK$14,424/mo
▼ 0.25% · 3.875%
HK$237,162
−HK$7,269/mo
Today · 4.125%
HK$244,431
baseline
▲ 0.50% · 4.625%
HK$259,304
+HK$14,873/mo
Deposit HK$21.61M · loan HK$50.43M · min. income ≈ HK$488,862/mo (50% DSR)
Upfront cash ≈ HK$24.68M (deposit + AVD stamp duty HK$3,062,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,881
−HK$13,824/mo
▼ 0.25% · 3.875%
HK$262,743
−HK$6,962/mo
Today · 4.125%
HK$269,705
baseline
▲ 0.50% · 4.625%
HK$283,921
+HK$14,216/mo
Deposit HK$21.61M · loan HK$50.43M · min. income ≈ HK$539,410/mo (50% DSR)
Upfront cash ≈ HK$24.68M (deposit + AVD stamp duty HK$3,062,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,723
−HK$18,545/mo
▼ 0.25% · 3.875%
HK$304,922
−HK$9,346/mo
Today · 4.125%
HK$314,268
baseline
▲ 0.50% · 4.625%
HK$333,390
+HK$19,122/mo
Deposit HK$7.20M · loan HK$64.84M · min. income ≈ HK$628,536/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$3,062,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,989
−HK$17,775/mo
▼ 0.25% · 3.875%
HK$337,813
−HK$8,951/mo
Today · 4.125%
HK$346,764
baseline
▲ 0.50% · 4.625%
HK$365,042
+HK$18,278/mo
Deposit HK$7.20M · loan HK$64.84M · min. income ≈ HK$693,528/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$3,062,093 · Scale 2, in force from 26 Feb 2026)