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$176,611
−HK$11,075/mo
▼ 0.25% · 3.875%
HK$182,104
−HK$5,582/mo
Today · 4.125%
HK$187,686
baseline
▲ 0.50% · 4.625%
HK$199,106
+HK$11,420/mo
Deposit HK$38.73M · loan HK$38.73M · min. income ≈ HK$375,372/mo (50% DSR)
Upfront cash ≈ HK$42.02M (deposit + AVD stamp duty HK$3,291,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,478
−HK$10,615/mo
▼ 0.25% · 3.875%
HK$201,747
−HK$5,346/mo
Today · 4.125%
HK$207,093
baseline
▲ 0.50% · 4.625%
HK$218,009
+HK$10,916/mo
Deposit HK$38.73M · loan HK$38.73M · min. income ≈ HK$414,186/mo (50% DSR)
Upfront cash ≈ HK$42.02M (deposit + AVD stamp duty HK$3,291,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,933
−HK$13,290/mo
▼ 0.25% · 3.875%
HK$218,525
−HK$6,698/mo
Today · 4.125%
HK$225,223
baseline
▲ 0.50% · 4.625%
HK$238,927
+HK$13,704/mo
Deposit HK$30.98M · loan HK$46.47M · min. income ≈ HK$450,446/mo (50% DSR)
Upfront cash ≈ HK$34.27M (deposit + AVD stamp duty HK$3,291,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,773
−HK$12,738/mo
▼ 0.25% · 3.875%
HK$242,097
−HK$6,414/mo
Today · 4.125%
HK$248,511
baseline
▲ 0.50% · 4.625%
HK$261,611
+HK$13,100/mo
Deposit HK$30.98M · loan HK$46.47M · min. income ≈ HK$497,022/mo (50% DSR)
Upfront cash ≈ HK$34.27M (deposit + AVD stamp duty HK$3,291,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,255
−HK$15,505/mo
▼ 0.25% · 3.875%
HK$254,946
−HK$7,814/mo
Today · 4.125%
HK$262,760
baseline
▲ 0.50% · 4.625%
HK$278,749
+HK$15,989/mo
Deposit HK$23.24M · loan HK$54.22M · min. income ≈ HK$525,520/mo (50% DSR)
Upfront cash ≈ HK$26.53M (deposit + AVD stamp duty HK$3,291,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,069
−HK$14,861/mo
▼ 0.25% · 3.875%
HK$282,446
−HK$7,484/mo
Today · 4.125%
HK$289,930
baseline
▲ 0.50% · 4.625%
HK$305,213
+HK$15,283/mo
Deposit HK$23.24M · loan HK$54.22M · min. income ≈ HK$579,860/mo (50% DSR)
Upfront cash ≈ HK$26.53M (deposit + AVD stamp duty HK$3,291,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,900
−HK$19,935/mo
▼ 0.25% · 3.875%
HK$327,788
−HK$10,047/mo
Today · 4.125%
HK$337,835
baseline
▲ 0.50% · 4.625%
HK$358,391
+HK$20,556/mo
Deposit HK$7.75M · loan HK$69.71M · min. income ≈ HK$675,670/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$3,291,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$353,660
−HK$19,107/mo
▼ 0.25% · 3.875%
HK$363,145
−HK$9,622/mo
Today · 4.125%
HK$372,767
baseline
▲ 0.50% · 4.625%
HK$392,416
+HK$19,649/mo
Deposit HK$7.75M · loan HK$69.71M · min. income ≈ HK$745,534/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$3,291,718 · Scale 2, in force from 26 Feb 2026)