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$160,016
−HK$10,034/mo
▼ 0.25% · 3.875%
HK$164,993
−HK$5,057/mo
Today · 4.125%
HK$170,050
baseline
▲ 0.50% · 4.625%
HK$180,397
+HK$10,347/mo
Deposit HK$35.09M · loan HK$35.09M · min. income ≈ HK$340,100/mo (50% DSR)
Upfront cash ≈ HK$38.07M (deposit + AVD stamp duty HK$2,982,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,016
−HK$9,618/mo
▼ 0.25% · 3.875%
HK$182,790
−HK$4,844/mo
Today · 4.125%
HK$187,634
baseline
▲ 0.50% · 4.625%
HK$197,524
+HK$9,890/mo
Deposit HK$35.09M · loan HK$35.09M · min. income ≈ HK$375,268/mo (50% DSR)
Upfront cash ≈ HK$38.07M (deposit + AVD stamp duty HK$2,982,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,019
−HK$12,041/mo
▼ 0.25% · 3.875%
HK$197,992
−HK$6,068/mo
Today · 4.125%
HK$204,060
baseline
▲ 0.50% · 4.625%
HK$216,477
+HK$12,417/mo
Deposit HK$28.07M · loan HK$42.10M · min. income ≈ HK$408,120/mo (50% DSR)
Upfront cash ≈ HK$31.05M (deposit + AVD stamp duty HK$2,982,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,619
−HK$11,541/mo
▼ 0.25% · 3.875%
HK$219,348
−HK$5,812/mo
Today · 4.125%
HK$225,160
baseline
▲ 0.50% · 4.625%
HK$237,029
+HK$11,869/mo
Deposit HK$28.07M · loan HK$42.10M · min. income ≈ HK$450,320/mo (50% DSR)
Upfront cash ≈ HK$31.05M (deposit + AVD stamp duty HK$2,982,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,022
−HK$14,048/mo
▼ 0.25% · 3.875%
HK$230,991
−HK$7,079/mo
Today · 4.125%
HK$238,070
baseline
▲ 0.50% · 4.625%
HK$252,556
+HK$14,486/mo
Deposit HK$21.05M · loan HK$49.12M · min. income ≈ HK$476,140/mo (50% DSR)
Upfront cash ≈ HK$24.03M (deposit + AVD stamp duty HK$2,982,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,222
−HK$13,465/mo
▼ 0.25% · 3.875%
HK$255,906
−HK$6,781/mo
Today · 4.125%
HK$262,687
baseline
▲ 0.50% · 4.625%
HK$276,534
+HK$13,847/mo
Deposit HK$21.05M · loan HK$49.12M · min. income ≈ HK$525,374/mo (50% DSR)
Upfront cash ≈ HK$24.03M (deposit + AVD stamp duty HK$2,982,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$288,028
−HK$18,062/mo
▼ 0.25% · 3.875%
HK$296,988
−HK$9,102/mo
Today · 4.125%
HK$306,090
baseline
▲ 0.50% · 4.625%
HK$324,715
+HK$18,625/mo
Deposit HK$7.02M · loan HK$63.16M · min. income ≈ HK$612,180/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$2,982,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$320,429
−HK$17,312/mo
▼ 0.25% · 3.875%
HK$329,023
−HK$8,718/mo
Today · 4.125%
HK$337,741
baseline
▲ 0.50% · 4.625%
HK$355,543
+HK$17,802/mo
Deposit HK$7.02M · loan HK$63.16M · min. income ≈ HK$675,482/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$2,982,416 · Scale 2, in force from 26 Feb 2026)