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$176,234
−HK$11,052/mo
▼ 0.25% · 3.875%
HK$181,716
−HK$5,570/mo
Today · 4.125%
HK$187,286
baseline
▲ 0.50% · 4.625%
HK$198,682
+HK$11,396/mo
Deposit HK$38.64M · loan HK$38.64M · min. income ≈ HK$374,572/mo (50% DSR)
Upfront cash ≈ HK$41.93M (deposit + AVD stamp duty HK$3,284,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,059
−HK$10,592/mo
▼ 0.25% · 3.875%
HK$201,317
−HK$5,334/mo
Today · 4.125%
HK$206,651
baseline
▲ 0.50% · 4.625%
HK$217,544
+HK$10,893/mo
Deposit HK$38.64M · loan HK$38.64M · min. income ≈ HK$413,302/mo (50% DSR)
Upfront cash ≈ HK$41.93M (deposit + AVD stamp duty HK$3,284,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,481
−HK$13,262/mo
▼ 0.25% · 3.875%
HK$218,059
−HK$6,684/mo
Today · 4.125%
HK$224,743
baseline
▲ 0.50% · 4.625%
HK$238,418
+HK$13,675/mo
Deposit HK$30.91M · loan HK$46.37M · min. income ≈ HK$449,486/mo (50% DSR)
Upfront cash ≈ HK$34.20M (deposit + AVD stamp duty HK$3,284,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,271
−HK$12,711/mo
▼ 0.25% · 3.875%
HK$241,580
−HK$6,402/mo
Today · 4.125%
HK$247,982
baseline
▲ 0.50% · 4.625%
HK$261,053
+HK$13,071/mo
Deposit HK$30.91M · loan HK$46.37M · min. income ≈ HK$495,964/mo (50% DSR)
Upfront cash ≈ HK$34.20M (deposit + AVD stamp duty HK$3,284,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,728
−HK$15,472/mo
▼ 0.25% · 3.875%
HK$254,403
−HK$7,797/mo
Today · 4.125%
HK$262,200
baseline
▲ 0.50% · 4.625%
HK$278,154
+HK$15,954/mo
Deposit HK$23.19M · loan HK$54.10M · min. income ≈ HK$524,400/mo (50% DSR)
Upfront cash ≈ HK$26.47M (deposit + AVD stamp duty HK$3,284,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,482
−HK$14,830/mo
▼ 0.25% · 3.875%
HK$281,844
−HK$7,468/mo
Today · 4.125%
HK$289,312
baseline
▲ 0.50% · 4.625%
HK$304,562
+HK$15,250/mo
Deposit HK$23.19M · loan HK$54.10M · min. income ≈ HK$578,624/mo (50% DSR)
Upfront cash ≈ HK$26.47M (deposit + AVD stamp duty HK$3,284,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,222
−HK$19,892/mo
▼ 0.25% · 3.875%
HK$327,089
−HK$10,025/mo
Today · 4.125%
HK$337,114
baseline
▲ 0.50% · 4.625%
HK$357,627
+HK$20,513/mo
Deposit HK$7.73M · loan HK$69.56M · min. income ≈ HK$674,228/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$3,284,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,906
−HK$19,066/mo
▼ 0.25% · 3.875%
HK$362,371
−HK$9,601/mo
Today · 4.125%
HK$371,972
baseline
▲ 0.50% · 4.625%
HK$391,580
+HK$19,608/mo
Deposit HK$7.73M · loan HK$69.56M · min. income ≈ HK$743,944/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$3,284,700 · Scale 2, in force from 26 Feb 2026)