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$170,905
−HK$10,718/mo
▼ 0.25% · 3.875%
HK$176,222
−HK$5,401/mo
Today · 4.125%
HK$181,623
baseline
▲ 0.50% · 4.625%
HK$192,674
+HK$11,051/mo
Deposit HK$37.48M · loan HK$37.48M · min. income ≈ HK$363,246/mo (50% DSR)
Upfront cash ≈ HK$40.66M (deposit + AVD stamp duty HK$3,185,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,131
−HK$10,272/mo
▼ 0.25% · 3.875%
HK$195,230
−HK$5,173/mo
Today · 4.125%
HK$200,403
baseline
▲ 0.50% · 4.625%
HK$210,966
+HK$10,563/mo
Deposit HK$37.48M · loan HK$37.48M · min. income ≈ HK$400,806/mo (50% DSR)
Upfront cash ≈ HK$40.66M (deposit + AVD stamp duty HK$3,185,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,086
−HK$12,861/mo
▼ 0.25% · 3.875%
HK$211,466
−HK$6,481/mo
Today · 4.125%
HK$217,947
baseline
▲ 0.50% · 4.625%
HK$231,209
+HK$13,262/mo
Deposit HK$29.98M · loan HK$44.97M · min. income ≈ HK$435,894/mo (50% DSR)
Upfront cash ≈ HK$33.17M (deposit + AVD stamp duty HK$3,185,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,157
−HK$12,326/mo
▼ 0.25% · 3.875%
HK$234,276
−HK$6,207/mo
Today · 4.125%
HK$240,483
baseline
▲ 0.50% · 4.625%
HK$253,159
+HK$12,676/mo
Deposit HK$29.98M · loan HK$44.97M · min. income ≈ HK$480,966/mo (50% DSR)
Upfront cash ≈ HK$33.17M (deposit + AVD stamp duty HK$3,185,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,268
−HK$15,004/mo
▼ 0.25% · 3.875%
HK$246,710
−HK$7,562/mo
Today · 4.125%
HK$254,272
baseline
▲ 0.50% · 4.625%
HK$269,744
+HK$15,472/mo
Deposit HK$22.49M · loan HK$52.47M · min. income ≈ HK$508,544/mo (50% DSR)
Upfront cash ≈ HK$25.67M (deposit + AVD stamp duty HK$3,185,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,183
−HK$14,381/mo
▼ 0.25% · 3.875%
HK$273,322
−HK$7,242/mo
Today · 4.125%
HK$280,564
baseline
▲ 0.50% · 4.625%
HK$295,353
+HK$14,789/mo
Deposit HK$22.49M · loan HK$52.47M · min. income ≈ HK$561,128/mo (50% DSR)
Upfront cash ≈ HK$25.67M (deposit + AVD stamp duty HK$3,185,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$307,630
−HK$19,291/mo
▼ 0.25% · 3.875%
HK$317,199
−HK$9,722/mo
Today · 4.125%
HK$326,921
baseline
▲ 0.50% · 4.625%
HK$346,813
+HK$19,892/mo
Deposit HK$7.50M · loan HK$67.46M · min. income ≈ HK$653,842/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$3,185,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$342,235
−HK$18,490/mo
▼ 0.25% · 3.875%
HK$351,414
−HK$9,311/mo
Today · 4.125%
HK$360,725
baseline
▲ 0.50% · 4.625%
HK$379,739
+HK$19,014/mo
Deposit HK$7.50M · loan HK$67.46M · min. income ≈ HK$721,450/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$3,185,379 · Scale 2, in force from 26 Feb 2026)