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$179,749
−HK$11,272/mo
▼ 0.25% · 3.875%
HK$185,340
−HK$5,681/mo
Today · 4.125%
HK$191,021
baseline
▲ 0.50% · 4.625%
HK$202,644
+HK$11,623/mo
Deposit HK$39.41M · loan HK$39.41M · min. income ≈ HK$382,042/mo (50% DSR)
Upfront cash ≈ HK$42.76M (deposit + AVD stamp duty HK$3,350,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,969
−HK$10,804/mo
▼ 0.25% · 3.875%
HK$205,332
−HK$5,441/mo
Today · 4.125%
HK$210,773
baseline
▲ 0.50% · 4.625%
HK$221,883
+HK$11,110/mo
Deposit HK$39.41M · loan HK$39.41M · min. income ≈ HK$421,546/mo (50% DSR)
Upfront cash ≈ HK$42.76M (deposit + AVD stamp duty HK$3,350,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,699
−HK$13,526/mo
▼ 0.25% · 3.875%
HK$222,408
−HK$6,817/mo
Today · 4.125%
HK$229,225
baseline
▲ 0.50% · 4.625%
HK$243,173
+HK$13,948/mo
Deposit HK$31.53M · loan HK$47.30M · min. income ≈ HK$458,450/mo (50% DSR)
Upfront cash ≈ HK$34.88M (deposit + AVD stamp duty HK$3,350,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,963
−HK$12,964/mo
▼ 0.25% · 3.875%
HK$246,399
−HK$6,528/mo
Today · 4.125%
HK$252,927
baseline
▲ 0.50% · 4.625%
HK$266,260
+HK$13,333/mo
Deposit HK$31.53M · loan HK$47.30M · min. income ≈ HK$505,854/mo (50% DSR)
Upfront cash ≈ HK$34.88M (deposit + AVD stamp duty HK$3,350,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,649
−HK$15,780/mo
▼ 0.25% · 3.875%
HK$259,476
−HK$7,953/mo
Today · 4.125%
HK$267,429
baseline
▲ 0.50% · 4.625%
HK$283,702
+HK$16,273/mo
Deposit HK$23.65M · loan HK$55.18M · min. income ≈ HK$534,858/mo (50% DSR)
Upfront cash ≈ HK$27.00M (deposit + AVD stamp duty HK$3,350,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,957
−HK$15,125/mo
▼ 0.25% · 3.875%
HK$287,465
−HK$7,617/mo
Today · 4.125%
HK$295,082
baseline
▲ 0.50% · 4.625%
HK$310,636
+HK$15,554/mo
Deposit HK$23.65M · loan HK$55.18M · min. income ≈ HK$590,164/mo (50% DSR)
Upfront cash ≈ HK$27.00M (deposit + AVD stamp duty HK$3,350,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,548
−HK$20,290/mo
▼ 0.25% · 3.875%
HK$333,613
−HK$10,225/mo
Today · 4.125%
HK$343,838
baseline
▲ 0.50% · 4.625%
HK$364,759
+HK$20,921/mo
Deposit HK$7.88M · loan HK$70.95M · min. income ≈ HK$687,676/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$3,350,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$359,944
−HK$19,447/mo
▼ 0.25% · 3.875%
HK$369,598
−HK$9,793/mo
Today · 4.125%
HK$379,391
baseline
▲ 0.50% · 4.625%
HK$399,389
+HK$19,998/mo
Deposit HK$7.88M · loan HK$70.95M · min. income ≈ HK$758,782/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$3,350,210 · Scale 2, in force from 26 Feb 2026)