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$171,775
−HK$10,772/mo
▼ 0.25% · 3.875%
HK$177,118
−HK$5,429/mo
Today · 4.125%
HK$182,547
baseline
▲ 0.50% · 4.625%
HK$193,654
+HK$11,107/mo
Deposit HK$37.67M · loan HK$37.67M · min. income ≈ HK$365,094/mo (50% DSR)
Upfront cash ≈ HK$40.87M (deposit + AVD stamp duty HK$3,201,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,098
−HK$10,324/mo
▼ 0.25% · 3.875%
HK$196,223
−HK$5,199/mo
Today · 4.125%
HK$201,422
baseline
▲ 0.50% · 4.625%
HK$212,040
+HK$10,618/mo
Deposit HK$37.67M · loan HK$37.67M · min. income ≈ HK$402,844/mo (50% DSR)
Upfront cash ≈ HK$40.87M (deposit + AVD stamp duty HK$3,201,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,130
−HK$12,926/mo
▼ 0.25% · 3.875%
HK$212,542
−HK$6,514/mo
Today · 4.125%
HK$219,056
baseline
▲ 0.50% · 4.625%
HK$232,385
+HK$13,329/mo
Deposit HK$30.13M · loan HK$45.20M · min. income ≈ HK$438,112/mo (50% DSR)
Upfront cash ≈ HK$33.33M (deposit + AVD stamp duty HK$3,201,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,317
−HK$12,390/mo
▼ 0.25% · 3.875%
HK$235,468
−HK$6,239/mo
Today · 4.125%
HK$241,707
baseline
▲ 0.50% · 4.625%
HK$254,447
+HK$12,740/mo
Deposit HK$30.13M · loan HK$45.20M · min. income ≈ HK$483,414/mo (50% DSR)
Upfront cash ≈ HK$33.33M (deposit + AVD stamp duty HK$3,201,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,485
−HK$15,080/mo
▼ 0.25% · 3.875%
HK$247,965
−HK$7,600/mo
Today · 4.125%
HK$255,565
baseline
▲ 0.50% · 4.625%
HK$271,116
+HK$15,551/mo
Deposit HK$22.60M · loan HK$52.73M · min. income ≈ HK$511,130/mo (50% DSR)
Upfront cash ≈ HK$25.80M (deposit + AVD stamp duty HK$3,201,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,537
−HK$14,454/mo
▼ 0.25% · 3.875%
HK$274,712
−HK$7,279/mo
Today · 4.125%
HK$281,991
baseline
▲ 0.50% · 4.625%
HK$296,855
+HK$14,864/mo
Deposit HK$22.60M · loan HK$52.73M · min. income ≈ HK$563,982/mo (50% DSR)
Upfront cash ≈ HK$25.80M (deposit + AVD stamp duty HK$3,201,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,195
−HK$19,389/mo
▼ 0.25% · 3.875%
HK$318,813
−HK$9,771/mo
Today · 4.125%
HK$328,584
baseline
▲ 0.50% · 4.625%
HK$348,578
+HK$19,994/mo
Deposit HK$7.53M · loan HK$67.80M · min. income ≈ HK$657,168/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$3,201,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$343,976
−HK$18,584/mo
▼ 0.25% · 3.875%
HK$353,201
−HK$9,359/mo
Today · 4.125%
HK$362,560
baseline
▲ 0.50% · 4.625%
HK$381,671
+HK$19,111/mo
Deposit HK$7.53M · loan HK$67.80M · min. income ≈ HK$725,120/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$3,201,585 · Scale 2, in force from 26 Feb 2026)