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$163,608
−HK$10,260/mo
▼ 0.25% · 3.875%
HK$168,697
−HK$5,171/mo
Today · 4.125%
HK$173,868
baseline
▲ 0.50% · 4.625%
HK$184,447
+HK$10,579/mo
Deposit HK$35.87M · loan HK$35.87M · min. income ≈ HK$347,736/mo (50% DSR)
Upfront cash ≈ HK$38.92M (deposit + AVD stamp duty HK$3,049,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,012
−HK$9,834/mo
▼ 0.25% · 3.875%
HK$186,894
−HK$4,952/mo
Today · 4.125%
HK$191,846
baseline
▲ 0.50% · 4.625%
HK$201,958
+HK$10,112/mo
Deposit HK$35.87M · loan HK$35.87M · min. income ≈ HK$383,692/mo (50% DSR)
Upfront cash ≈ HK$38.92M (deposit + AVD stamp duty HK$3,049,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,330
−HK$12,311/mo
▼ 0.25% · 3.875%
HK$202,437
−HK$6,204/mo
Today · 4.125%
HK$208,641
baseline
▲ 0.50% · 4.625%
HK$221,337
+HK$12,696/mo
Deposit HK$28.70M · loan HK$43.05M · min. income ≈ HK$417,282/mo (50% DSR)
Upfront cash ≈ HK$31.75M (deposit + AVD stamp duty HK$3,049,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,415
−HK$11,800/mo
▼ 0.25% · 3.875%
HK$224,273
−HK$5,942/mo
Today · 4.125%
HK$230,215
baseline
▲ 0.50% · 4.625%
HK$242,350
+HK$12,135/mo
Deposit HK$28.70M · loan HK$43.05M · min. income ≈ HK$460,430/mo (50% DSR)
Upfront cash ≈ HK$31.75M (deposit + AVD stamp duty HK$3,049,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,051
−HK$14,364/mo
▼ 0.25% · 3.875%
HK$236,176
−HK$7,239/mo
Today · 4.125%
HK$243,415
baseline
▲ 0.50% · 4.625%
HK$258,226
+HK$14,811/mo
Deposit HK$21.52M · loan HK$50.22M · min. income ≈ HK$486,830/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$3,049,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,817
−HK$13,767/mo
▼ 0.25% · 3.875%
HK$261,651
−HK$6,933/mo
Today · 4.125%
HK$268,584
baseline
▲ 0.50% · 4.625%
HK$282,742
+HK$14,158/mo
Deposit HK$21.52M · loan HK$50.22M · min. income ≈ HK$537,168/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$3,049,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,494
−HK$18,468/mo
▼ 0.25% · 3.875%
HK$303,655
−HK$9,307/mo
Today · 4.125%
HK$312,962
baseline
▲ 0.50% · 4.625%
HK$332,005
+HK$19,043/mo
Deposit HK$7.17M · loan HK$64.57M · min. income ≈ HK$625,924/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$3,049,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$327,622
−HK$17,701/mo
▼ 0.25% · 3.875%
HK$336,409
−HK$8,914/mo
Today · 4.125%
HK$345,323
baseline
▲ 0.50% · 4.625%
HK$363,525
+HK$18,202/mo
Deposit HK$7.17M · loan HK$64.57M · min. income ≈ HK$690,646/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$3,049,369 · Scale 2, in force from 26 Feb 2026)