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$176,054
−HK$11,040/mo
▼ 0.25% · 3.875%
HK$181,531
−HK$5,563/mo
Today · 4.125%
HK$187,094
baseline
▲ 0.50% · 4.625%
HK$198,479
+HK$11,385/mo
Deposit HK$38.60M · loan HK$38.60M · min. income ≈ HK$374,188/mo (50% DSR)
Upfront cash ≈ HK$41.89M (deposit + AVD stamp duty HK$3,281,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,859
−HK$10,581/mo
▼ 0.25% · 3.875%
HK$201,111
−HK$5,329/mo
Today · 4.125%
HK$206,440
baseline
▲ 0.50% · 4.625%
HK$217,322
+HK$10,882/mo
Deposit HK$38.60M · loan HK$38.60M · min. income ≈ HK$412,880/mo (50% DSR)
Upfront cash ≈ HK$41.89M (deposit + AVD stamp duty HK$3,281,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,265
−HK$13,248/mo
▼ 0.25% · 3.875%
HK$217,837
−HK$6,676/mo
Today · 4.125%
HK$224,513
baseline
▲ 0.50% · 4.625%
HK$238,174
+HK$13,661/mo
Deposit HK$30.88M · loan HK$46.32M · min. income ≈ HK$449,026/mo (50% DSR)
Upfront cash ≈ HK$34.16M (deposit + AVD stamp duty HK$3,281,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,030
−HK$12,698/mo
▼ 0.25% · 3.875%
HK$241,334
−HK$6,394/mo
Today · 4.125%
HK$247,728
baseline
▲ 0.50% · 4.625%
HK$260,786
+HK$13,058/mo
Deposit HK$30.88M · loan HK$46.32M · min. income ≈ HK$495,456/mo (50% DSR)
Upfront cash ≈ HK$34.16M (deposit + AVD stamp duty HK$3,281,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,476
−HK$15,456/mo
▼ 0.25% · 3.875%
HK$254,143
−HK$7,789/mo
Today · 4.125%
HK$261,932
baseline
▲ 0.50% · 4.625%
HK$277,870
+HK$15,938/mo
Deposit HK$23.16M · loan HK$54.05M · min. income ≈ HK$523,864/mo (50% DSR)
Upfront cash ≈ HK$26.44M (deposit + AVD stamp duty HK$3,281,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,202
−HK$14,814/mo
▼ 0.25% · 3.875%
HK$281,556
−HK$7,460/mo
Today · 4.125%
HK$289,016
baseline
▲ 0.50% · 4.625%
HK$304,251
+HK$15,235/mo
Deposit HK$23.16M · loan HK$54.05M · min. income ≈ HK$578,032/mo (50% DSR)
Upfront cash ≈ HK$26.44M (deposit + AVD stamp duty HK$3,281,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,898
−HK$19,872/mo
▼ 0.25% · 3.875%
HK$326,755
−HK$10,015/mo
Today · 4.125%
HK$336,770
baseline
▲ 0.50% · 4.625%
HK$357,262
+HK$20,492/mo
Deposit HK$7.72M · loan HK$69.49M · min. income ≈ HK$673,540/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$3,281,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,546
−HK$19,047/mo
▼ 0.25% · 3.875%
HK$362,001
−HK$9,592/mo
Today · 4.125%
HK$371,593
baseline
▲ 0.50% · 4.625%
HK$391,180
+HK$19,587/mo
Deposit HK$7.72M · loan HK$69.49M · min. income ≈ HK$743,186/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$3,281,345 · Scale 2, in force from 26 Feb 2026)