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$179,412
−HK$11,251/mo
▼ 0.25% · 3.875%
HK$184,993
−HK$5,670/mo
Today · 4.125%
HK$190,663
baseline
▲ 0.50% · 4.625%
HK$202,264
+HK$11,601/mo
Deposit HK$39.34M · loan HK$39.34M · min. income ≈ HK$381,326/mo (50% DSR)
Upfront cash ≈ HK$42.68M (deposit + AVD stamp duty HK$3,343,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,594
−HK$10,783/mo
▼ 0.25% · 3.875%
HK$204,947
−HK$5,430/mo
Today · 4.125%
HK$210,377
baseline
▲ 0.50% · 4.625%
HK$221,467
+HK$11,090/mo
Deposit HK$39.34M · loan HK$39.34M · min. income ≈ HK$420,754/mo (50% DSR)
Upfront cash ≈ HK$42.68M (deposit + AVD stamp duty HK$3,343,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,294
−HK$13,501/mo
▼ 0.25% · 3.875%
HK$221,991
−HK$6,804/mo
Today · 4.125%
HK$228,795
baseline
▲ 0.50% · 4.625%
HK$242,717
+HK$13,922/mo
Deposit HK$31.47M · loan HK$47.21M · min. income ≈ HK$457,590/mo (50% DSR)
Upfront cash ≈ HK$34.82M (deposit + AVD stamp duty HK$3,343,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,513
−HK$12,940/mo
▼ 0.25% · 3.875%
HK$245,936
−HK$6,517/mo
Today · 4.125%
HK$252,453
baseline
▲ 0.50% · 4.625%
HK$265,760
+HK$13,307/mo
Deposit HK$31.47M · loan HK$47.21M · min. income ≈ HK$504,906/mo (50% DSR)
Upfront cash ≈ HK$34.82M (deposit + AVD stamp duty HK$3,343,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,177
−HK$15,751/mo
▼ 0.25% · 3.875%
HK$258,990
−HK$7,938/mo
Today · 4.125%
HK$266,928
baseline
▲ 0.50% · 4.625%
HK$283,170
+HK$16,242/mo
Deposit HK$23.60M · loan HK$55.08M · min. income ≈ HK$533,856/mo (50% DSR)
Upfront cash ≈ HK$26.95M (deposit + AVD stamp duty HK$3,343,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,432
−HK$15,096/mo
▼ 0.25% · 3.875%
HK$286,926
−HK$7,602/mo
Today · 4.125%
HK$294,528
baseline
▲ 0.50% · 4.625%
HK$310,053
+HK$15,525/mo
Deposit HK$23.60M · loan HK$55.08M · min. income ≈ HK$589,056/mo (50% DSR)
Upfront cash ≈ HK$26.95M (deposit + AVD stamp duty HK$3,343,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$322,942
−HK$20,251/mo
▼ 0.25% · 3.875%
HK$332,987
−HK$10,206/mo
Today · 4.125%
HK$343,193
baseline
▲ 0.50% · 4.625%
HK$364,075
+HK$20,882/mo
Deposit HK$7.87M · loan HK$70.81M · min. income ≈ HK$686,386/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$3,343,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$359,269
−HK$19,410/mo
▼ 0.25% · 3.875%
HK$368,905
−HK$9,774/mo
Today · 4.125%
HK$378,679
baseline
▲ 0.50% · 4.625%
HK$398,640
+HK$19,961/mo
Deposit HK$7.87M · loan HK$70.81M · min. income ≈ HK$757,358/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$3,343,927 · Scale 2, in force from 26 Feb 2026)