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$170,712
−HK$10,705/mo
▼ 0.25% · 3.875%
HK$176,022
−HK$5,395/mo
Today · 4.125%
HK$181,417
baseline
▲ 0.50% · 4.625%
HK$192,456
+HK$11,039/mo
Deposit HK$37.43M · loan HK$37.43M · min. income ≈ HK$362,834/mo (50% DSR)
Upfront cash ≈ HK$40.61M (deposit + AVD stamp duty HK$3,181,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,915
−HK$10,261/mo
▼ 0.25% · 3.875%
HK$195,009
−HK$5,167/mo
Today · 4.125%
HK$200,176
baseline
▲ 0.50% · 4.625%
HK$210,727
+HK$10,551/mo
Deposit HK$37.43M · loan HK$37.43M · min. income ≈ HK$400,352/mo (50% DSR)
Upfront cash ≈ HK$40.61M (deposit + AVD stamp duty HK$3,181,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,854
−HK$12,846/mo
▼ 0.25% · 3.875%
HK$211,226
−HK$6,474/mo
Today · 4.125%
HK$217,700
baseline
▲ 0.50% · 4.625%
HK$230,947
+HK$13,247/mo
Deposit HK$29.95M · loan HK$44.92M · min. income ≈ HK$435,400/mo (50% DSR)
Upfront cash ≈ HK$33.13M (deposit + AVD stamp duty HK$3,181,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,898
−HK$12,313/mo
▼ 0.25% · 3.875%
HK$234,010
−HK$6,201/mo
Today · 4.125%
HK$240,211
baseline
▲ 0.50% · 4.625%
HK$252,873
+HK$12,662/mo
Deposit HK$29.95M · loan HK$44.92M · min. income ≈ HK$480,422/mo (50% DSR)
Upfront cash ≈ HK$33.13M (deposit + AVD stamp duty HK$3,181,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,997
−HK$14,987/mo
▼ 0.25% · 3.875%
HK$246,431
−HK$7,553/mo
Today · 4.125%
HK$253,984
baseline
▲ 0.50% · 4.625%
HK$269,438
+HK$15,454/mo
Deposit HK$22.46M · loan HK$52.41M · min. income ≈ HK$507,968/mo (50% DSR)
Upfront cash ≈ HK$25.64M (deposit + AVD stamp duty HK$3,181,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,881
−HK$14,365/mo
▼ 0.25% · 3.875%
HK$273,012
−HK$7,234/mo
Today · 4.125%
HK$280,246
baseline
▲ 0.50% · 4.625%
HK$295,018
+HK$14,772/mo
Deposit HK$22.46M · loan HK$52.41M · min. income ≈ HK$560,492/mo (50% DSR)
Upfront cash ≈ HK$25.64M (deposit + AVD stamp duty HK$3,181,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$307,281
−HK$19,270/mo
▼ 0.25% · 3.875%
HK$316,839
−HK$9,712/mo
Today · 4.125%
HK$326,551
baseline
▲ 0.50% · 4.625%
HK$346,420
+HK$19,869/mo
Deposit HK$7.49M · loan HK$67.38M · min. income ≈ HK$653,102/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$3,181,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$341,847
−HK$18,469/mo
▼ 0.25% · 3.875%
HK$351,015
−HK$9,301/mo
Today · 4.125%
HK$360,316
baseline
▲ 0.50% · 4.625%
HK$379,309
+HK$18,993/mo
Deposit HK$7.49M · loan HK$67.38M · min. income ≈ HK$720,632/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$3,181,771 · Scale 2, in force from 26 Feb 2026)