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$174,625
−HK$10,951/mo
▼ 0.25% · 3.875%
HK$180,057
−HK$5,519/mo
Today · 4.125%
HK$185,576
baseline
▲ 0.50% · 4.625%
HK$196,868
+HK$11,292/mo
Deposit HK$38.29M · loan HK$38.29M · min. income ≈ HK$371,152/mo (50% DSR)
Upfront cash ≈ HK$41.55M (deposit + AVD stamp duty HK$3,254,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,269
−HK$10,495/mo
▼ 0.25% · 3.875%
HK$199,479
−HK$5,285/mo
Today · 4.125%
HK$204,764
baseline
▲ 0.50% · 4.625%
HK$215,558
+HK$10,794/mo
Deposit HK$38.29M · loan HK$38.29M · min. income ≈ HK$409,528/mo (50% DSR)
Upfront cash ≈ HK$41.55M (deposit + AVD stamp duty HK$3,254,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,550
−HK$13,141/mo
▼ 0.25% · 3.875%
HK$216,068
−HK$6,623/mo
Today · 4.125%
HK$222,691
baseline
▲ 0.50% · 4.625%
HK$236,241
+HK$13,550/mo
Deposit HK$30.63M · loan HK$45.95M · min. income ≈ HK$445,382/mo (50% DSR)
Upfront cash ≈ HK$33.89M (deposit + AVD stamp duty HK$3,254,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,122
−HK$12,595/mo
▼ 0.25% · 3.875%
HK$239,375
−HK$6,342/mo
Today · 4.125%
HK$245,717
baseline
▲ 0.50% · 4.625%
HK$258,669
+HK$12,952/mo
Deposit HK$30.63M · loan HK$45.95M · min. income ≈ HK$491,434/mo (50% DSR)
Upfront cash ≈ HK$33.89M (deposit + AVD stamp duty HK$3,254,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,475
−HK$15,331/mo
▼ 0.25% · 3.875%
HK$252,080
−HK$7,726/mo
Today · 4.125%
HK$259,806
baseline
▲ 0.50% · 4.625%
HK$275,615
+HK$15,809/mo
Deposit HK$22.97M · loan HK$53.61M · min. income ≈ HK$519,612/mo (50% DSR)
Upfront cash ≈ HK$26.23M (deposit + AVD stamp duty HK$3,254,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,976
−HK$14,694/mo
▼ 0.25% · 3.875%
HK$279,270
−HK$7,400/mo
Today · 4.125%
HK$286,670
baseline
▲ 0.50% · 4.625%
HK$301,781
+HK$15,111/mo
Deposit HK$22.97M · loan HK$53.61M · min. income ≈ HK$573,340/mo (50% DSR)
Upfront cash ≈ HK$26.23M (deposit + AVD stamp duty HK$3,254,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$314,325
−HK$19,711/mo
▼ 0.25% · 3.875%
HK$324,103
−HK$9,933/mo
Today · 4.125%
HK$334,036
baseline
▲ 0.50% · 4.625%
HK$354,362
+HK$20,326/mo
Deposit HK$7.66M · loan HK$68.92M · min. income ≈ HK$668,072/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$3,254,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$349,684
−HK$18,892/mo
▼ 0.25% · 3.875%
HK$359,062
−HK$9,514/mo
Today · 4.125%
HK$368,576
baseline
▲ 0.50% · 4.625%
HK$388,004
+HK$19,428/mo
Deposit HK$7.66M · loan HK$68.92M · min. income ≈ HK$737,152/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$3,254,708 · Scale 2, in force from 26 Feb 2026)