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$176,672
−HK$11,079/mo
▼ 0.25% · 3.875%
HK$182,168
−HK$5,583/mo
Today · 4.125%
HK$187,751
baseline
▲ 0.50% · 4.625%
HK$199,175
+HK$11,424/mo
Deposit HK$38.74M · loan HK$38.74M · min. income ≈ HK$375,502/mo (50% DSR)
Upfront cash ≈ HK$42.03M (deposit + AVD stamp duty HK$3,292,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,546
−HK$10,619/mo
▼ 0.25% · 3.875%
HK$201,817
−HK$5,348/mo
Today · 4.125%
HK$207,165
baseline
▲ 0.50% · 4.625%
HK$218,085
+HK$10,920/mo
Deposit HK$38.74M · loan HK$38.74M · min. income ≈ HK$414,330/mo (50% DSR)
Upfront cash ≈ HK$42.03M (deposit + AVD stamp duty HK$3,292,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,007
−HK$13,294/mo
▼ 0.25% · 3.875%
HK$218,601
−HK$6,700/mo
Today · 4.125%
HK$225,301
baseline
▲ 0.50% · 4.625%
HK$239,010
+HK$13,709/mo
Deposit HK$30.99M · loan HK$46.49M · min. income ≈ HK$450,602/mo (50% DSR)
Upfront cash ≈ HK$34.28M (deposit + AVD stamp duty HK$3,292,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,855
−HK$12,743/mo
▼ 0.25% · 3.875%
HK$242,181
−HK$6,417/mo
Today · 4.125%
HK$248,598
baseline
▲ 0.50% · 4.625%
HK$261,702
+HK$13,104/mo
Deposit HK$30.99M · loan HK$46.49M · min. income ≈ HK$497,196/mo (50% DSR)
Upfront cash ≈ HK$34.28M (deposit + AVD stamp duty HK$3,292,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,341
−HK$15,511/mo
▼ 0.25% · 3.875%
HK$255,035
−HK$7,817/mo
Today · 4.125%
HK$262,852
baseline
▲ 0.50% · 4.625%
HK$278,846
+HK$15,994/mo
Deposit HK$23.24M · loan HK$54.24M · min. income ≈ HK$525,704/mo (50% DSR)
Upfront cash ≈ HK$26.54M (deposit + AVD stamp duty HK$3,292,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,165
−HK$14,866/mo
▼ 0.25% · 3.875%
HK$282,544
−HK$7,487/mo
Today · 4.125%
HK$290,031
baseline
▲ 0.50% · 4.625%
HK$305,319
+HK$15,288/mo
Deposit HK$23.24M · loan HK$54.24M · min. income ≈ HK$580,062/mo (50% DSR)
Upfront cash ≈ HK$26.54M (deposit + AVD stamp duty HK$3,292,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,010
−HK$19,942/mo
▼ 0.25% · 3.875%
HK$327,902
−HK$10,050/mo
Today · 4.125%
HK$337,952
baseline
▲ 0.50% · 4.625%
HK$358,516
+HK$20,564/mo
Deposit HK$7.75M · loan HK$69.73M · min. income ≈ HK$675,904/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$3,292,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$353,783
−HK$19,114/mo
▼ 0.25% · 3.875%
HK$363,271
−HK$9,626/mo
Today · 4.125%
HK$372,897
baseline
▲ 0.50% · 4.625%
HK$392,553
+HK$19,656/mo
Deposit HK$7.75M · loan HK$69.73M · min. income ≈ HK$745,794/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$3,292,863 · Scale 2, in force from 26 Feb 2026)