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$163,341
−HK$10,243/mo
▼ 0.25% · 3.875%
HK$168,422
−HK$5,162/mo
Today · 4.125%
HK$173,584
baseline
▲ 0.50% · 4.625%
HK$184,146
+HK$10,562/mo
Deposit HK$35.82M · loan HK$35.82M · min. income ≈ HK$347,168/mo (50% DSR)
Upfront cash ≈ HK$38.86M (deposit + AVD stamp duty HK$3,044,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,715
−HK$9,818/mo
▼ 0.25% · 3.875%
HK$186,589
−HK$4,944/mo
Today · 4.125%
HK$191,533
baseline
▲ 0.50% · 4.625%
HK$201,628
+HK$10,095/mo
Deposit HK$35.82M · loan HK$35.82M · min. income ≈ HK$383,066/mo (50% DSR)
Upfront cash ≈ HK$38.86M (deposit + AVD stamp duty HK$3,044,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,009
−HK$12,292/mo
▼ 0.25% · 3.875%
HK$202,106
−HK$6,195/mo
Today · 4.125%
HK$208,301
baseline
▲ 0.50% · 4.625%
HK$220,975
+HK$12,674/mo
Deposit HK$28.65M · loan HK$42.98M · min. income ≈ HK$416,602/mo (50% DSR)
Upfront cash ≈ HK$31.70M (deposit + AVD stamp duty HK$3,044,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,058
−HK$11,781/mo
▼ 0.25% · 3.875%
HK$223,906
−HK$5,933/mo
Today · 4.125%
HK$229,839
baseline
▲ 0.50% · 4.625%
HK$241,954
+HK$12,115/mo
Deposit HK$28.65M · loan HK$42.98M · min. income ≈ HK$459,678/mo (50% DSR)
Upfront cash ≈ HK$31.70M (deposit + AVD stamp duty HK$3,044,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,677
−HK$14,340/mo
▼ 0.25% · 3.875%
HK$235,790
−HK$7,227/mo
Today · 4.125%
HK$243,017
baseline
▲ 0.50% · 4.625%
HK$257,804
+HK$14,787/mo
Deposit HK$21.49M · loan HK$50.14M · min. income ≈ HK$486,034/mo (50% DSR)
Upfront cash ≈ HK$24.53M (deposit + AVD stamp duty HK$3,044,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,401
−HK$13,745/mo
▼ 0.25% · 3.875%
HK$261,224
−HK$6,922/mo
Today · 4.125%
HK$268,146
baseline
▲ 0.50% · 4.625%
HK$282,280
+HK$14,134/mo
Deposit HK$21.49M · loan HK$50.14M · min. income ≈ HK$536,292/mo (50% DSR)
Upfront cash ≈ HK$24.53M (deposit + AVD stamp duty HK$3,044,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,014
−HK$18,437/mo
▼ 0.25% · 3.875%
HK$303,159
−HK$9,292/mo
Today · 4.125%
HK$312,451
baseline
▲ 0.50% · 4.625%
HK$331,463
+HK$19,012/mo
Deposit HK$7.16M · loan HK$64.47M · min. income ≈ HK$624,902/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$3,044,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$327,087
−HK$17,672/mo
▼ 0.25% · 3.875%
HK$335,859
−HK$8,900/mo
Today · 4.125%
HK$344,759
baseline
▲ 0.50% · 4.625%
HK$362,931
+HK$18,172/mo
Deposit HK$7.16M · loan HK$64.47M · min. income ≈ HK$689,518/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$3,044,389 · Scale 2, in force from 26 Feb 2026)