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$176,624
−HK$11,076/mo
▼ 0.25% · 3.875%
HK$182,118
−HK$5,582/mo
Today · 4.125%
HK$187,700
baseline
▲ 0.50% · 4.625%
HK$199,121
+HK$11,421/mo
Deposit HK$38.73M · loan HK$38.73M · min. income ≈ HK$375,400/mo (50% DSR)
Upfront cash ≈ HK$42.02M (deposit + AVD stamp duty HK$3,291,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,493
−HK$10,616/mo
▼ 0.25% · 3.875%
HK$201,762
−HK$5,347/mo
Today · 4.125%
HK$207,109
baseline
▲ 0.50% · 4.625%
HK$218,026
+HK$10,917/mo
Deposit HK$38.73M · loan HK$38.73M · min. income ≈ HK$414,218/mo (50% DSR)
Upfront cash ≈ HK$42.02M (deposit + AVD stamp duty HK$3,291,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,949
−HK$13,291/mo
▼ 0.25% · 3.875%
HK$218,542
−HK$6,698/mo
Today · 4.125%
HK$225,240
baseline
▲ 0.50% · 4.625%
HK$238,945
+HK$13,705/mo
Deposit HK$30.98M · loan HK$46.47M · min. income ≈ HK$450,480/mo (50% DSR)
Upfront cash ≈ HK$34.28M (deposit + AVD stamp duty HK$3,291,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,791
−HK$12,739/mo
▼ 0.25% · 3.875%
HK$242,115
−HK$6,415/mo
Today · 4.125%
HK$248,530
baseline
▲ 0.50% · 4.625%
HK$261,631
+HK$13,101/mo
Deposit HK$30.98M · loan HK$46.47M · min. income ≈ HK$497,060/mo (50% DSR)
Upfront cash ≈ HK$34.28M (deposit + AVD stamp duty HK$3,291,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,274
−HK$15,506/mo
▼ 0.25% · 3.875%
HK$254,965
−HK$7,815/mo
Today · 4.125%
HK$262,780
baseline
▲ 0.50% · 4.625%
HK$278,770
+HK$15,990/mo
Deposit HK$23.24M · loan HK$54.22M · min. income ≈ HK$525,560/mo (50% DSR)
Upfront cash ≈ HK$26.53M (deposit + AVD stamp duty HK$3,291,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,090
−HK$14,862/mo
▼ 0.25% · 3.875%
HK$282,467
−HK$7,485/mo
Today · 4.125%
HK$289,952
baseline
▲ 0.50% · 4.625%
HK$305,236
+HK$15,284/mo
Deposit HK$23.24M · loan HK$54.22M · min. income ≈ HK$579,904/mo (50% DSR)
Upfront cash ≈ HK$26.53M (deposit + AVD stamp duty HK$3,291,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,924
−HK$19,936/mo
▼ 0.25% · 3.875%
HK$327,813
−HK$10,047/mo
Today · 4.125%
HK$337,860
baseline
▲ 0.50% · 4.625%
HK$358,418
+HK$20,558/mo
Deposit HK$7.75M · loan HK$69.71M · min. income ≈ HK$675,720/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$3,291,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$353,687
−HK$19,108/mo
▼ 0.25% · 3.875%
HK$363,172
−HK$9,623/mo
Today · 4.125%
HK$372,795
baseline
▲ 0.50% · 4.625%
HK$392,446
+HK$19,651/mo
Deposit HK$7.75M · loan HK$69.71M · min. income ≈ HK$745,590/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$3,291,967 · Scale 2, in force from 26 Feb 2026)