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$176,850
−HK$11,091/mo
▼ 0.25% · 3.875%
HK$182,352
−HK$5,589/mo
Today · 4.125%
HK$187,941
baseline
▲ 0.50% · 4.625%
HK$199,376
+HK$11,435/mo
Deposit HK$38.78M · loan HK$38.78M · min. income ≈ HK$375,882/mo (50% DSR)
Upfront cash ≈ HK$42.07M (deposit + AVD stamp duty HK$3,296,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,744
−HK$10,630/mo
▼ 0.25% · 3.875%
HK$202,021
−HK$5,353/mo
Today · 4.125%
HK$207,374
baseline
▲ 0.50% · 4.625%
HK$218,305
+HK$10,931/mo
Deposit HK$38.78M · loan HK$38.78M · min. income ≈ HK$414,748/mo (50% DSR)
Upfront cash ≈ HK$42.07M (deposit + AVD stamp duty HK$3,296,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,221
−HK$13,308/mo
▼ 0.25% · 3.875%
HK$218,822
−HK$6,707/mo
Today · 4.125%
HK$225,529
baseline
▲ 0.50% · 4.625%
HK$239,252
+HK$13,723/mo
Deposit HK$31.02M · loan HK$46.53M · min. income ≈ HK$451,058/mo (50% DSR)
Upfront cash ≈ HK$34.32M (deposit + AVD stamp duty HK$3,296,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,093
−HK$12,756/mo
▼ 0.25% · 3.875%
HK$242,425
−HK$6,424/mo
Today · 4.125%
HK$248,849
baseline
▲ 0.50% · 4.625%
HK$261,966
+HK$13,117/mo
Deposit HK$31.02M · loan HK$46.53M · min. income ≈ HK$497,698/mo (50% DSR)
Upfront cash ≈ HK$34.32M (deposit + AVD stamp duty HK$3,296,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,591
−HK$15,526/mo
▼ 0.25% · 3.875%
HK$255,292
−HK$7,825/mo
Today · 4.125%
HK$263,117
baseline
▲ 0.50% · 4.625%
HK$279,127
+HK$16,010/mo
Deposit HK$23.27M · loan HK$54.29M · min. income ≈ HK$526,234/mo (50% DSR)
Upfront cash ≈ HK$26.56M (deposit + AVD stamp duty HK$3,296,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,442
−HK$14,881/mo
▼ 0.25% · 3.875%
HK$282,829
−HK$7,494/mo
Today · 4.125%
HK$290,323
baseline
▲ 0.50% · 4.625%
HK$305,627
+HK$15,304/mo
Deposit HK$23.27M · loan HK$54.29M · min. income ≈ HK$580,646/mo (50% DSR)
Upfront cash ≈ HK$26.56M (deposit + AVD stamp duty HK$3,296,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,331
−HK$19,962/mo
▼ 0.25% · 3.875%
HK$328,233
−HK$10,060/mo
Today · 4.125%
HK$338,293
baseline
▲ 0.50% · 4.625%
HK$358,877
+HK$20,584/mo
Deposit HK$7.76M · loan HK$69.80M · min. income ≈ HK$676,586/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$3,296,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$354,140
−HK$19,133/mo
▼ 0.25% · 3.875%
HK$363,638
−HK$9,635/mo
Today · 4.125%
HK$373,273
baseline
▲ 0.50% · 4.625%
HK$392,949
+HK$19,676/mo
Deposit HK$7.76M · loan HK$69.80M · min. income ≈ HK$746,546/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$3,296,185 · Scale 2, in force from 26 Feb 2026)