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$170,671
−HK$10,702/mo
▼ 0.25% · 3.875%
HK$175,980
−HK$5,393/mo
Today · 4.125%
HK$181,373
baseline
▲ 0.50% · 4.625%
HK$192,409
+HK$11,036/mo
Deposit HK$37.42M · loan HK$37.42M · min. income ≈ HK$362,746/mo (50% DSR)
Upfront cash ≈ HK$40.60M (deposit + AVD stamp duty HK$3,181,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,869
−HK$10,259/mo
▼ 0.25% · 3.875%
HK$194,962
−HK$5,166/mo
Today · 4.125%
HK$200,128
baseline
▲ 0.50% · 4.625%
HK$210,677
+HK$10,549/mo
Deposit HK$37.42M · loan HK$37.42M · min. income ≈ HK$400,256/mo (50% DSR)
Upfront cash ≈ HK$40.60M (deposit + AVD stamp duty HK$3,181,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,805
−HK$12,843/mo
▼ 0.25% · 3.875%
HK$211,175
−HK$6,473/mo
Today · 4.125%
HK$217,648
baseline
▲ 0.50% · 4.625%
HK$230,891
+HK$13,243/mo
Deposit HK$29.94M · loan HK$44.91M · min. income ≈ HK$435,296/mo (50% DSR)
Upfront cash ≈ HK$33.12M (deposit + AVD stamp duty HK$3,181,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,843
−HK$12,310/mo
▼ 0.25% · 3.875%
HK$233,954
−HK$6,199/mo
Today · 4.125%
HK$240,153
baseline
▲ 0.50% · 4.625%
HK$252,812
+HK$12,659/mo
Deposit HK$29.94M · loan HK$44.91M · min. income ≈ HK$480,306/mo (50% DSR)
Upfront cash ≈ HK$33.12M (deposit + AVD stamp duty HK$3,181,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,939
−HK$14,984/mo
▼ 0.25% · 3.875%
HK$246,371
−HK$7,552/mo
Today · 4.125%
HK$253,923
baseline
▲ 0.50% · 4.625%
HK$269,373
+HK$15,450/mo
Deposit HK$22.45M · loan HK$52.39M · min. income ≈ HK$507,846/mo (50% DSR)
Upfront cash ≈ HK$25.64M (deposit + AVD stamp duty HK$3,181,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,817
−HK$14,362/mo
▼ 0.25% · 3.875%
HK$272,946
−HK$7,233/mo
Today · 4.125%
HK$280,179
baseline
▲ 0.50% · 4.625%
HK$294,947
+HK$14,768/mo
Deposit HK$22.45M · loan HK$52.39M · min. income ≈ HK$560,358/mo (50% DSR)
Upfront cash ≈ HK$25.64M (deposit + AVD stamp duty HK$3,181,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$307,207
−HK$19,265/mo
▼ 0.25% · 3.875%
HK$316,763
−HK$9,709/mo
Today · 4.125%
HK$326,472
baseline
▲ 0.50% · 4.625%
HK$346,337
+HK$19,865/mo
Deposit HK$7.48M · loan HK$67.36M · min. income ≈ HK$652,944/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$3,181,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$341,765
−HK$18,465/mo
▼ 0.25% · 3.875%
HK$350,931
−HK$9,299/mo
Today · 4.125%
HK$360,230
baseline
▲ 0.50% · 4.625%
HK$379,218
+HK$18,988/mo
Deposit HK$7.48M · loan HK$67.36M · min. income ≈ HK$720,460/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$3,181,005 · Scale 2, in force from 26 Feb 2026)