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$160,459
−HK$10,062/mo
▼ 0.25% · 3.875%
HK$165,450
−HK$5,071/mo
Today · 4.125%
HK$170,521
baseline
▲ 0.50% · 4.625%
HK$180,897
+HK$10,376/mo
Deposit HK$35.18M · loan HK$35.18M · min. income ≈ HK$341,042/mo (50% DSR)
Upfront cash ≈ HK$38.18M (deposit + AVD stamp duty HK$2,990,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,509
−HK$9,645/mo
▼ 0.25% · 3.875%
HK$183,297
−HK$4,857/mo
Today · 4.125%
HK$188,154
baseline
▲ 0.50% · 4.625%
HK$198,071
+HK$9,917/mo
Deposit HK$35.18M · loan HK$35.18M · min. income ≈ HK$376,308/mo (50% DSR)
Upfront cash ≈ HK$38.18M (deposit + AVD stamp duty HK$2,990,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,551
−HK$12,075/mo
▼ 0.25% · 3.875%
HK$198,540
−HK$6,086/mo
Today · 4.125%
HK$204,626
baseline
▲ 0.50% · 4.625%
HK$217,077
+HK$12,451/mo
Deposit HK$28.15M · loan HK$42.22M · min. income ≈ HK$409,252/mo (50% DSR)
Upfront cash ≈ HK$31.14M (deposit + AVD stamp duty HK$2,990,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,211
−HK$11,573/mo
▼ 0.25% · 3.875%
HK$219,956
−HK$5,828/mo
Today · 4.125%
HK$225,784
baseline
▲ 0.50% · 4.625%
HK$237,686
+HK$11,902/mo
Deposit HK$28.15M · loan HK$42.22M · min. income ≈ HK$451,568/mo (50% DSR)
Upfront cash ≈ HK$31.14M (deposit + AVD stamp duty HK$2,990,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,643
−HK$14,087/mo
▼ 0.25% · 3.875%
HK$231,631
−HK$7,099/mo
Today · 4.125%
HK$238,730
baseline
▲ 0.50% · 4.625%
HK$253,256
+HK$14,526/mo
Deposit HK$21.11M · loan HK$49.26M · min. income ≈ HK$477,460/mo (50% DSR)
Upfront cash ≈ HK$24.10M (deposit + AVD stamp duty HK$2,990,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,913
−HK$13,502/mo
▼ 0.25% · 3.875%
HK$256,615
−HK$6,800/mo
Today · 4.125%
HK$263,415
baseline
▲ 0.50% · 4.625%
HK$277,300
+HK$13,885/mo
Deposit HK$21.11M · loan HK$49.26M · min. income ≈ HK$526,830/mo (50% DSR)
Upfront cash ≈ HK$24.10M (deposit + AVD stamp duty HK$2,990,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$288,827
−HK$18,112/mo
▼ 0.25% · 3.875%
HK$297,811
−HK$9,128/mo
Today · 4.125%
HK$306,939
baseline
▲ 0.50% · 4.625%
HK$325,615
+HK$18,676/mo
Deposit HK$7.04M · loan HK$63.33M · min. income ≈ HK$613,878/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$2,990,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$321,317
−HK$17,359/mo
▼ 0.25% · 3.875%
HK$329,934
−HK$8,742/mo
Today · 4.125%
HK$338,676
baseline
▲ 0.50% · 4.625%
HK$356,528
+HK$17,852/mo
Deposit HK$7.04M · loan HK$63.33M · min. income ≈ HK$677,352/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$2,990,680 · Scale 2, in force from 26 Feb 2026)