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$166,806
−HK$10,460/mo
▼ 0.25% · 3.875%
HK$171,994
−HK$5,272/mo
Today · 4.125%
HK$177,266
baseline
▲ 0.50% · 4.625%
HK$188,052
+HK$10,786/mo
Deposit HK$36.58M · loan HK$36.58M · min. income ≈ HK$354,532/mo (50% DSR)
Upfront cash ≈ HK$39.69M (deposit + AVD stamp duty HK$3,108,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,570
−HK$10,026/mo
▼ 0.25% · 3.875%
HK$190,547
−HK$5,049/mo
Today · 4.125%
HK$195,596
baseline
▲ 0.50% · 4.625%
HK$205,906
+HK$10,310/mo
Deposit HK$36.58M · loan HK$36.58M · min. income ≈ HK$391,192/mo (50% DSR)
Upfront cash ≈ HK$39.69M (deposit + AVD stamp duty HK$3,108,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,167
−HK$12,552/mo
▼ 0.25% · 3.875%
HK$206,393
−HK$6,326/mo
Today · 4.125%
HK$212,719
baseline
▲ 0.50% · 4.625%
HK$225,663
+HK$12,944/mo
Deposit HK$29.26M · loan HK$43.89M · min. income ≈ HK$425,438/mo (50% DSR)
Upfront cash ≈ HK$32.37M (deposit + AVD stamp duty HK$3,108,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,684
−HK$12,031/mo
▼ 0.25% · 3.875%
HK$228,656
−HK$6,059/mo
Today · 4.125%
HK$234,715
baseline
▲ 0.50% · 4.625%
HK$247,087
+HK$12,372/mo
Deposit HK$29.26M · loan HK$43.89M · min. income ≈ HK$469,430/mo (50% DSR)
Upfront cash ≈ HK$32.37M (deposit + AVD stamp duty HK$3,108,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,528
−HK$14,644/mo
▼ 0.25% · 3.875%
HK$240,792
−HK$7,380/mo
Today · 4.125%
HK$248,172
baseline
▲ 0.50% · 4.625%
HK$263,273
+HK$15,101/mo
Deposit HK$21.95M · loan HK$51.21M · min. income ≈ HK$496,344/mo (50% DSR)
Upfront cash ≈ HK$25.05M (deposit + AVD stamp duty HK$3,108,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,798
−HK$14,036/mo
▼ 0.25% · 3.875%
HK$266,765
−HK$7,069/mo
Today · 4.125%
HK$273,834
baseline
▲ 0.50% · 4.625%
HK$288,268
+HK$14,434/mo
Deposit HK$21.95M · loan HK$51.21M · min. income ≈ HK$547,668/mo (50% DSR)
Upfront cash ≈ HK$25.05M (deposit + AVD stamp duty HK$3,108,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,250
−HK$18,829/mo
▼ 0.25% · 3.875%
HK$309,590
−HK$9,489/mo
Today · 4.125%
HK$319,079
baseline
▲ 0.50% · 4.625%
HK$338,494
+HK$19,415/mo
Deposit HK$7.32M · loan HK$65.84M · min. income ≈ HK$638,158/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$3,108,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$334,026
−HK$18,046/mo
▼ 0.25% · 3.875%
HK$342,984
−HK$9,088/mo
Today · 4.125%
HK$352,072
baseline
▲ 0.50% · 4.625%
HK$370,630
+HK$18,558/mo
Deposit HK$7.32M · loan HK$65.84M · min. income ≈ HK$704,144/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$3,108,969 · Scale 2, in force from 26 Feb 2026)