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$166,894
−HK$10,466/mo
▼ 0.25% · 3.875%
HK$172,086
−HK$5,274/mo
Today · 4.125%
HK$177,360
baseline
▲ 0.50% · 4.625%
HK$188,152
+HK$10,792/mo
Deposit HK$36.60M · loan HK$36.60M · min. income ≈ HK$354,720/mo (50% DSR)
Upfront cash ≈ HK$39.71M (deposit + AVD stamp duty HK$3,110,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,668
−HK$10,031/mo
▼ 0.25% · 3.875%
HK$190,648
−HK$5,051/mo
Today · 4.125%
HK$195,699
baseline
▲ 0.50% · 4.625%
HK$206,015
+HK$10,316/mo
Deposit HK$36.60M · loan HK$36.60M · min. income ≈ HK$391,398/mo (50% DSR)
Upfront cash ≈ HK$39.71M (deposit + AVD stamp duty HK$3,110,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,273
−HK$12,559/mo
▼ 0.25% · 3.875%
HK$206,503
−HK$6,329/mo
Today · 4.125%
HK$212,832
baseline
▲ 0.50% · 4.625%
HK$225,782
+HK$12,950/mo
Deposit HK$29.28M · loan HK$43.91M · min. income ≈ HK$425,664/mo (50% DSR)
Upfront cash ≈ HK$32.39M (deposit + AVD stamp duty HK$3,110,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,802
−HK$12,037/mo
▼ 0.25% · 3.875%
HK$228,777
−HK$6,062/mo
Today · 4.125%
HK$234,839
baseline
▲ 0.50% · 4.625%
HK$247,218
+HK$12,379/mo
Deposit HK$29.28M · loan HK$43.91M · min. income ≈ HK$469,678/mo (50% DSR)
Upfront cash ≈ HK$32.39M (deposit + AVD stamp duty HK$3,110,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,652
−HK$14,652/mo
▼ 0.25% · 3.875%
HK$240,920
−HK$7,384/mo
Today · 4.125%
HK$248,304
baseline
▲ 0.50% · 4.625%
HK$263,413
+HK$15,109/mo
Deposit HK$21.96M · loan HK$51.23M · min. income ≈ HK$496,608/mo (50% DSR)
Upfront cash ≈ HK$25.07M (deposit + AVD stamp duty HK$3,110,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,936
−HK$14,043/mo
▼ 0.25% · 3.875%
HK$266,907
−HK$7,072/mo
Today · 4.125%
HK$273,979
baseline
▲ 0.50% · 4.625%
HK$288,421
+HK$14,442/mo
Deposit HK$21.96M · loan HK$51.23M · min. income ≈ HK$547,958/mo (50% DSR)
Upfront cash ≈ HK$25.07M (deposit + AVD stamp duty HK$3,110,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,410
−HK$18,838/mo
▼ 0.25% · 3.875%
HK$309,754
−HK$9,494/mo
Today · 4.125%
HK$319,248
baseline
▲ 0.50% · 4.625%
HK$338,674
+HK$19,426/mo
Deposit HK$7.32M · loan HK$65.87M · min. income ≈ HK$638,496/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$3,110,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$334,203
−HK$18,056/mo
▼ 0.25% · 3.875%
HK$343,166
−HK$9,093/mo
Today · 4.125%
HK$352,259
baseline
▲ 0.50% · 4.625%
HK$370,827
+HK$18,568/mo
Deposit HK$7.32M · loan HK$65.87M · min. income ≈ HK$704,518/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$3,110,620 · Scale 2, in force from 26 Feb 2026)