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$170,260
−HK$10,677/mo
▼ 0.25% · 3.875%
HK$175,556
−HK$5,381/mo
Today · 4.125%
HK$180,937
baseline
▲ 0.50% · 4.625%
HK$191,946
+HK$11,009/mo
Deposit HK$37.33M · loan HK$37.33M · min. income ≈ HK$361,874/mo (50% DSR)
Upfront cash ≈ HK$40.51M (deposit + AVD stamp duty HK$3,173,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,413
−HK$10,233/mo
▼ 0.25% · 3.875%
HK$194,493
−HK$5,153/mo
Today · 4.125%
HK$199,646
baseline
▲ 0.50% · 4.625%
HK$210,170
+HK$10,524/mo
Deposit HK$37.33M · loan HK$37.33M · min. income ≈ HK$399,292/mo (50% DSR)
Upfront cash ≈ HK$40.51M (deposit + AVD stamp duty HK$3,173,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,312
−HK$12,812/mo
▼ 0.25% · 3.875%
HK$210,667
−HK$6,457/mo
Today · 4.125%
HK$217,124
baseline
▲ 0.50% · 4.625%
HK$230,336
+HK$13,212/mo
Deposit HK$29.87M · loan HK$44.80M · min. income ≈ HK$434,248/mo (50% DSR)
Upfront cash ≈ HK$33.04M (deposit + AVD stamp duty HK$3,173,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,295
−HK$12,280/mo
▼ 0.25% · 3.875%
HK$233,391
−HK$6,184/mo
Today · 4.125%
HK$239,575
baseline
▲ 0.50% · 4.625%
HK$252,204
+HK$12,629/mo
Deposit HK$29.87M · loan HK$44.80M · min. income ≈ HK$479,150/mo (50% DSR)
Upfront cash ≈ HK$33.04M (deposit + AVD stamp duty HK$3,173,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,364
−HK$14,948/mo
▼ 0.25% · 3.875%
HK$245,779
−HK$7,533/mo
Today · 4.125%
HK$253,312
baseline
▲ 0.50% · 4.625%
HK$268,725
+HK$15,413/mo
Deposit HK$22.40M · loan HK$52.27M · min. income ≈ HK$506,624/mo (50% DSR)
Upfront cash ≈ HK$25.57M (deposit + AVD stamp duty HK$3,173,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,178
−HK$14,326/mo
▼ 0.25% · 3.875%
HK$272,290
−HK$7,214/mo
Today · 4.125%
HK$279,504
baseline
▲ 0.50% · 4.625%
HK$294,237
+HK$14,733/mo
Deposit HK$22.40M · loan HK$52.27M · min. income ≈ HK$559,008/mo (50% DSR)
Upfront cash ≈ HK$25.57M (deposit + AVD stamp duty HK$3,173,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,468
−HK$19,218/mo
▼ 0.25% · 3.875%
HK$316,001
−HK$9,685/mo
Today · 4.125%
HK$325,686
baseline
▲ 0.50% · 4.625%
HK$345,504
+HK$19,818/mo
Deposit HK$7.47M · loan HK$67.20M · min. income ≈ HK$651,372/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$3,173,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$340,943
−HK$18,420/mo
▼ 0.25% · 3.875%
HK$350,087
−HK$9,276/mo
Today · 4.125%
HK$359,363
baseline
▲ 0.50% · 4.625%
HK$378,305
+HK$18,942/mo
Deposit HK$7.47M · loan HK$67.20M · min. income ≈ HK$718,726/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$3,173,351 · Scale 2, in force from 26 Feb 2026)