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$162,240
−HK$10,174/mo
▼ 0.25% · 3.875%
HK$167,287
−HK$5,127/mo
Today · 4.125%
HK$172,414
baseline
▲ 0.50% · 4.625%
HK$182,905
+HK$10,491/mo
Deposit HK$35.58M · loan HK$35.58M · min. income ≈ HK$344,828/mo (50% DSR)
Upfront cash ≈ HK$38.60M (deposit + AVD stamp duty HK$3,023,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,491
−HK$9,751/mo
▼ 0.25% · 3.875%
HK$185,331
−HK$4,911/mo
Today · 4.125%
HK$190,242
baseline
▲ 0.50% · 4.625%
HK$200,270
+HK$10,028/mo
Deposit HK$35.58M · loan HK$35.58M · min. income ≈ HK$380,484/mo (50% DSR)
Upfront cash ≈ HK$38.60M (deposit + AVD stamp duty HK$3,023,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,688
−HK$12,209/mo
▼ 0.25% · 3.875%
HK$200,744
−HK$6,153/mo
Today · 4.125%
HK$206,897
baseline
▲ 0.50% · 4.625%
HK$219,486
+HK$12,589/mo
Deposit HK$28.46M · loan HK$42.69M · min. income ≈ HK$413,794/mo (50% DSR)
Upfront cash ≈ HK$31.48M (deposit + AVD stamp duty HK$3,023,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,589
−HK$11,702/mo
▼ 0.25% · 3.875%
HK$222,398
−HK$5,893/mo
Today · 4.125%
HK$228,291
baseline
▲ 0.50% · 4.625%
HK$240,324
+HK$12,033/mo
Deposit HK$28.46M · loan HK$42.69M · min. income ≈ HK$456,582/mo (50% DSR)
Upfront cash ≈ HK$31.48M (deposit + AVD stamp duty HK$3,023,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,137
−HK$14,243/mo
▼ 0.25% · 3.875%
HK$234,202
−HK$7,178/mo
Today · 4.125%
HK$241,380
baseline
▲ 0.50% · 4.625%
HK$256,067
+HK$14,687/mo
Deposit HK$21.35M · loan HK$49.81M · min. income ≈ HK$482,760/mo (50% DSR)
Upfront cash ≈ HK$24.37M (deposit + AVD stamp duty HK$3,023,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,687
−HK$13,652/mo
▼ 0.25% · 3.875%
HK$259,464
−HK$6,875/mo
Today · 4.125%
HK$266,339
baseline
▲ 0.50% · 4.625%
HK$280,378
+HK$14,039/mo
Deposit HK$21.35M · loan HK$49.81M · min. income ≈ HK$532,678/mo (50% DSR)
Upfront cash ≈ HK$24.37M (deposit + AVD stamp duty HK$3,023,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,033
−HK$18,313/mo
▼ 0.25% · 3.875%
HK$301,117
−HK$9,229/mo
Today · 4.125%
HK$310,346
baseline
▲ 0.50% · 4.625%
HK$329,229
+HK$18,883/mo
Deposit HK$7.12M · loan HK$64.04M · min. income ≈ HK$620,692/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$3,023,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$324,883
−HK$17,553/mo
▼ 0.25% · 3.875%
HK$333,597
−HK$8,839/mo
Today · 4.125%
HK$342,436
baseline
▲ 0.50% · 4.625%
HK$360,486
+HK$18,050/mo
Deposit HK$7.12M · loan HK$64.04M · min. income ≈ HK$684,872/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$3,023,878 · Scale 2, in force from 26 Feb 2026)