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$170,011
−HK$10,661/mo
▼ 0.25% · 3.875%
HK$175,300
−HK$5,372/mo
Today · 4.125%
HK$180,672
baseline
▲ 0.50% · 4.625%
HK$191,666
+HK$10,994/mo
Deposit HK$37.28M · loan HK$37.28M · min. income ≈ HK$361,344/mo (50% DSR)
Upfront cash ≈ HK$40.45M (deposit + AVD stamp duty HK$3,168,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,136
−HK$10,218/mo
▼ 0.25% · 3.875%
HK$194,208
−HK$5,146/mo
Today · 4.125%
HK$199,354
baseline
▲ 0.50% · 4.625%
HK$209,862
+HK$10,508/mo
Deposit HK$37.28M · loan HK$37.28M · min. income ≈ HK$398,708/mo (50% DSR)
Upfront cash ≈ HK$40.45M (deposit + AVD stamp duty HK$3,168,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,013
−HK$12,794/mo
▼ 0.25% · 3.875%
HK$210,359
−HK$6,448/mo
Today · 4.125%
HK$216,807
baseline
▲ 0.50% · 4.625%
HK$229,999
+HK$13,192/mo
Deposit HK$29.82M · loan HK$44.73M · min. income ≈ HK$433,614/mo (50% DSR)
Upfront cash ≈ HK$32.99M (deposit + AVD stamp duty HK$3,168,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,963
−HK$12,262/mo
▼ 0.25% · 3.875%
HK$233,050
−HK$6,175/mo
Today · 4.125%
HK$239,225
baseline
▲ 0.50% · 4.625%
HK$251,835
+HK$12,610/mo
Deposit HK$29.82M · loan HK$44.73M · min. income ≈ HK$478,450/mo (50% DSR)
Upfront cash ≈ HK$32.99M (deposit + AVD stamp duty HK$3,168,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,016
−HK$14,925/mo
▼ 0.25% · 3.875%
HK$245,419
−HK$7,522/mo
Today · 4.125%
HK$252,941
baseline
▲ 0.50% · 4.625%
HK$268,332
+HK$15,391/mo
Deposit HK$22.37M · loan HK$52.19M · min. income ≈ HK$505,882/mo (50% DSR)
Upfront cash ≈ HK$25.54M (deposit + AVD stamp duty HK$3,168,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,790
−HK$14,306/mo
▼ 0.25% · 3.875%
HK$271,892
−HK$7,204/mo
Today · 4.125%
HK$279,096
baseline
▲ 0.50% · 4.625%
HK$293,807
+HK$14,711/mo
Deposit HK$22.37M · loan HK$52.19M · min. income ≈ HK$558,192/mo (50% DSR)
Upfront cash ≈ HK$25.54M (deposit + AVD stamp duty HK$3,168,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,020
−HK$19,190/mo
▼ 0.25% · 3.875%
HK$315,539
−HK$9,671/mo
Today · 4.125%
HK$325,210
baseline
▲ 0.50% · 4.625%
HK$344,999
+HK$19,789/mo
Deposit HK$7.46M · loan HK$67.10M · min. income ≈ HK$650,420/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$3,168,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$340,444
−HK$18,394/mo
▼ 0.25% · 3.875%
HK$349,575
−HK$9,263/mo
Today · 4.125%
HK$358,838
baseline
▲ 0.50% · 4.625%
HK$377,752
+HK$18,914/mo
Deposit HK$7.46M · loan HK$67.10M · min. income ≈ HK$717,676/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$3,168,713 · Scale 2, in force from 26 Feb 2026)