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$177,398
−HK$11,125/mo
▼ 0.25% · 3.875%
HK$182,916
−HK$5,607/mo
Today · 4.125%
HK$188,523
baseline
▲ 0.50% · 4.625%
HK$199,994
+HK$11,471/mo
Deposit HK$38.90M · loan HK$38.90M · min. income ≈ HK$377,046/mo (50% DSR)
Upfront cash ≈ HK$42.21M (deposit + AVD stamp duty HK$3,306,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,354
−HK$10,662/mo
▼ 0.25% · 3.875%
HK$202,647
−HK$5,369/mo
Today · 4.125%
HK$208,016
baseline
▲ 0.50% · 4.625%
HK$218,981
+HK$10,965/mo
Deposit HK$38.90M · loan HK$38.90M · min. income ≈ HK$416,032/mo (50% DSR)
Upfront cash ≈ HK$42.21M (deposit + AVD stamp duty HK$3,306,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,878
−HK$13,349/mo
▼ 0.25% · 3.875%
HK$219,499
−HK$6,728/mo
Today · 4.125%
HK$226,227
baseline
▲ 0.50% · 4.625%
HK$239,992
+HK$13,765/mo
Deposit HK$31.12M · loan HK$46.68M · min. income ≈ HK$452,454/mo (50% DSR)
Upfront cash ≈ HK$34.43M (deposit + AVD stamp duty HK$3,306,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,824
−HK$12,795/mo
▼ 0.25% · 3.875%
HK$243,176
−HK$6,443/mo
Today · 4.125%
HK$249,619
baseline
▲ 0.50% · 4.625%
HK$262,777
+HK$13,158/mo
Deposit HK$31.12M · loan HK$46.68M · min. income ≈ HK$499,238/mo (50% DSR)
Upfront cash ≈ HK$34.43M (deposit + AVD stamp duty HK$3,306,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,357
−HK$15,575/mo
▼ 0.25% · 3.875%
HK$256,083
−HK$7,849/mo
Today · 4.125%
HK$263,932
baseline
▲ 0.50% · 4.625%
HK$279,991
+HK$16,059/mo
Deposit HK$23.34M · loan HK$54.46M · min. income ≈ HK$527,864/mo (50% DSR)
Upfront cash ≈ HK$26.65M (deposit + AVD stamp duty HK$3,306,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,295
−HK$14,927/mo
▼ 0.25% · 3.875%
HK$283,705
−HK$7,517/mo
Today · 4.125%
HK$291,222
baseline
▲ 0.50% · 4.625%
HK$306,573
+HK$15,351/mo
Deposit HK$23.34M · loan HK$54.46M · min. income ≈ HK$582,444/mo (50% DSR)
Upfront cash ≈ HK$26.65M (deposit + AVD stamp duty HK$3,306,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$319,317
−HK$20,024/mo
▼ 0.25% · 3.875%
HK$329,249
−HK$10,092/mo
Today · 4.125%
HK$339,341
baseline
▲ 0.50% · 4.625%
HK$359,989
+HK$20,648/mo
Deposit HK$7.78M · loan HK$70.02M · min. income ≈ HK$678,682/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$3,306,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$355,237
−HK$19,192/mo
▼ 0.25% · 3.875%
HK$364,764
−HK$9,665/mo
Today · 4.125%
HK$374,429
baseline
▲ 0.50% · 4.625%
HK$394,166
+HK$19,737/mo
Deposit HK$7.78M · loan HK$70.02M · min. income ≈ HK$748,858/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$3,306,392 · Scale 2, in force from 26 Feb 2026)