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$163,951
−HK$10,282/mo
▼ 0.25% · 3.875%
HK$169,051
−HK$5,182/mo
Today · 4.125%
HK$174,233
baseline
▲ 0.50% · 4.625%
HK$184,834
+HK$10,601/mo
Deposit HK$35.95M · loan HK$35.95M · min. income ≈ HK$348,466/mo (50% DSR)
Upfront cash ≈ HK$39.01M (deposit + AVD stamp duty HK$3,055,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,394
−HK$9,855/mo
▼ 0.25% · 3.875%
HK$187,286
−HK$4,963/mo
Today · 4.125%
HK$192,249
baseline
▲ 0.50% · 4.625%
HK$202,382
+HK$10,133/mo
Deposit HK$35.95M · loan HK$35.95M · min. income ≈ HK$384,498/mo (50% DSR)
Upfront cash ≈ HK$39.01M (deposit + AVD stamp duty HK$3,055,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,742
−HK$12,337/mo
▼ 0.25% · 3.875%
HK$202,862
−HK$6,217/mo
Today · 4.125%
HK$209,079
baseline
▲ 0.50% · 4.625%
HK$221,801
+HK$12,722/mo
Deposit HK$28.76M · loan HK$43.14M · min. income ≈ HK$418,158/mo (50% DSR)
Upfront cash ≈ HK$31.82M (deposit + AVD stamp duty HK$3,055,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,873
−HK$11,825/mo
▼ 0.25% · 3.875%
HK$224,743
−HK$5,955/mo
Today · 4.125%
HK$230,698
baseline
▲ 0.50% · 4.625%
HK$242,859
+HK$12,161/mo
Deposit HK$28.76M · loan HK$43.14M · min. income ≈ HK$461,396/mo (50% DSR)
Upfront cash ≈ HK$31.82M (deposit + AVD stamp duty HK$3,055,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,532
−HK$14,394/mo
▼ 0.25% · 3.875%
HK$236,672
−HK$7,254/mo
Today · 4.125%
HK$243,926
baseline
▲ 0.50% · 4.625%
HK$258,768
+HK$14,842/mo
Deposit HK$21.57M · loan HK$50.33M · min. income ≈ HK$487,852/mo (50% DSR)
Upfront cash ≈ HK$24.63M (deposit + AVD stamp duty HK$3,055,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,352
−HK$13,796/mo
▼ 0.25% · 3.875%
HK$262,200
−HK$6,948/mo
Today · 4.125%
HK$269,148
baseline
▲ 0.50% · 4.625%
HK$283,335
+HK$14,187/mo
Deposit HK$21.57M · loan HK$50.33M · min. income ≈ HK$538,296/mo (50% DSR)
Upfront cash ≈ HK$24.63M (deposit + AVD stamp duty HK$3,055,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,113
−HK$18,506/mo
▼ 0.25% · 3.875%
HK$304,292
−HK$9,327/mo
Today · 4.125%
HK$313,619
baseline
▲ 0.50% · 4.625%
HK$332,702
+HK$19,083/mo
Deposit HK$7.19M · loan HK$64.71M · min. income ≈ HK$627,238/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$3,055,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,310
−HK$17,737/mo
▼ 0.25% · 3.875%
HK$337,115
−HK$8,932/mo
Today · 4.125%
HK$346,047
baseline
▲ 0.50% · 4.625%
HK$364,288
+HK$18,241/mo
Deposit HK$7.19M · loan HK$64.71M · min. income ≈ HK$692,094/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$3,055,769 · Scale 2, in force from 26 Feb 2026)