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$171,926
−HK$10,782/mo
▼ 0.25% · 3.875%
HK$177,274
−HK$5,434/mo
Today · 4.125%
HK$182,708
baseline
▲ 0.50% · 4.625%
HK$193,825
+HK$11,117/mo
Deposit HK$37.70M · loan HK$37.70M · min. income ≈ HK$365,416/mo (50% DSR)
Upfront cash ≈ HK$40.90M (deposit + AVD stamp duty HK$3,204,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,266
−HK$10,334/mo
▼ 0.25% · 3.875%
HK$196,396
−HK$5,204/mo
Today · 4.125%
HK$201,600
baseline
▲ 0.50% · 4.625%
HK$212,226
+HK$10,626/mo
Deposit HK$37.70M · loan HK$37.70M · min. income ≈ HK$403,200/mo (50% DSR)
Upfront cash ≈ HK$40.90M (deposit + AVD stamp duty HK$3,204,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,312
−HK$12,937/mo
▼ 0.25% · 3.875%
HK$212,729
−HK$6,520/mo
Today · 4.125%
HK$219,249
baseline
▲ 0.50% · 4.625%
HK$232,590
+HK$13,341/mo
Deposit HK$30.16M · loan HK$45.24M · min. income ≈ HK$438,498/mo (50% DSR)
Upfront cash ≈ HK$33.36M (deposit + AVD stamp duty HK$3,204,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,520
−HK$12,400/mo
▼ 0.25% · 3.875%
HK$235,675
−HK$6,245/mo
Today · 4.125%
HK$241,920
baseline
▲ 0.50% · 4.625%
HK$254,672
+HK$12,752/mo
Deposit HK$30.16M · loan HK$45.24M · min. income ≈ HK$483,840/mo (50% DSR)
Upfront cash ≈ HK$33.36M (deposit + AVD stamp duty HK$3,204,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,697
−HK$15,094/mo
▼ 0.25% · 3.875%
HK$248,184
−HK$7,607/mo
Today · 4.125%
HK$255,791
baseline
▲ 0.50% · 4.625%
HK$271,355
+HK$15,564/mo
Deposit HK$22.62M · loan HK$52.78M · min. income ≈ HK$511,582/mo (50% DSR)
Upfront cash ≈ HK$25.82M (deposit + AVD stamp duty HK$3,204,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,773
−HK$14,467/mo
▼ 0.25% · 3.875%
HK$274,954
−HK$7,286/mo
Today · 4.125%
HK$282,240
baseline
▲ 0.50% · 4.625%
HK$297,117
+HK$14,877/mo
Deposit HK$22.62M · loan HK$52.78M · min. income ≈ HK$564,480/mo (50% DSR)
Upfront cash ≈ HK$25.82M (deposit + AVD stamp duty HK$3,204,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,467
−HK$19,407/mo
▼ 0.25% · 3.875%
HK$319,094
−HK$9,780/mo
Today · 4.125%
HK$328,874
baseline
▲ 0.50% · 4.625%
HK$348,885
+HK$20,011/mo
Deposit HK$7.54M · loan HK$67.86M · min. income ≈ HK$657,748/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$3,204,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$344,279
−HK$18,601/mo
▼ 0.25% · 3.875%
HK$353,513
−HK$9,367/mo
Today · 4.125%
HK$362,880
baseline
▲ 0.50% · 4.625%
HK$382,008
+HK$19,128/mo
Deposit HK$7.54M · loan HK$67.86M · min. income ≈ HK$725,760/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$3,204,408 · Scale 2, in force from 26 Feb 2026)