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$163,817
−HK$10,273/mo
▼ 0.25% · 3.875%
HK$168,913
−HK$5,177/mo
Today · 4.125%
HK$174,090
baseline
▲ 0.50% · 4.625%
HK$184,683
+HK$10,593/mo
Deposit HK$35.92M · loan HK$35.92M · min. income ≈ HK$348,180/mo (50% DSR)
Upfront cash ≈ HK$38.97M (deposit + AVD stamp duty HK$3,053,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,245
−HK$9,846/mo
▼ 0.25% · 3.875%
HK$187,133
−HK$4,958/mo
Today · 4.125%
HK$192,091
baseline
▲ 0.50% · 4.625%
HK$202,217
+HK$10,126/mo
Deposit HK$35.92M · loan HK$35.92M · min. income ≈ HK$384,182/mo (50% DSR)
Upfront cash ≈ HK$38.97M (deposit + AVD stamp duty HK$3,053,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,581
−HK$12,327/mo
▼ 0.25% · 3.875%
HK$202,695
−HK$6,213/mo
Today · 4.125%
HK$208,908
baseline
▲ 0.50% · 4.625%
HK$221,620
+HK$12,712/mo
Deposit HK$28.74M · loan HK$43.10M · min. income ≈ HK$417,816/mo (50% DSR)
Upfront cash ≈ HK$31.79M (deposit + AVD stamp duty HK$3,053,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,694
−HK$11,815/mo
▼ 0.25% · 3.875%
HK$224,559
−HK$5,950/mo
Today · 4.125%
HK$230,509
baseline
▲ 0.50% · 4.625%
HK$242,660
+HK$12,151/mo
Deposit HK$28.74M · loan HK$43.10M · min. income ≈ HK$461,018/mo (50% DSR)
Upfront cash ≈ HK$31.79M (deposit + AVD stamp duty HK$3,053,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,344
−HK$14,382/mo
▼ 0.25% · 3.875%
HK$236,478
−HK$7,248/mo
Today · 4.125%
HK$243,726
baseline
▲ 0.50% · 4.625%
HK$258,556
+HK$14,830/mo
Deposit HK$21.55M · loan HK$50.29M · min. income ≈ HK$487,452/mo (50% DSR)
Upfront cash ≈ HK$24.61M (deposit + AVD stamp duty HK$3,053,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,143
−HK$13,785/mo
▼ 0.25% · 3.875%
HK$261,986
−HK$6,942/mo
Today · 4.125%
HK$268,928
baseline
▲ 0.50% · 4.625%
HK$283,103
+HK$14,175/mo
Deposit HK$21.55M · loan HK$50.29M · min. income ≈ HK$537,856/mo (50% DSR)
Upfront cash ≈ HK$24.61M (deposit + AVD stamp duty HK$3,053,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,871
−HK$18,491/mo
▼ 0.25% · 3.875%
HK$304,043
−HK$9,319/mo
Today · 4.125%
HK$313,362
baseline
▲ 0.50% · 4.625%
HK$332,429
+HK$19,067/mo
Deposit HK$7.18M · loan HK$64.66M · min. income ≈ HK$626,724/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$3,053,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,041
−HK$17,723/mo
▼ 0.25% · 3.875%
HK$336,839
−HK$8,925/mo
Today · 4.125%
HK$345,764
baseline
▲ 0.50% · 4.625%
HK$363,990
+HK$18,226/mo
Deposit HK$7.18M · loan HK$64.66M · min. income ≈ HK$691,528/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$3,053,268 · Scale 2, in force from 26 Feb 2026)