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$179,519
−HK$11,258/mo
▼ 0.25% · 3.875%
HK$185,104
−HK$5,673/mo
Today · 4.125%
HK$190,777
baseline
▲ 0.50% · 4.625%
HK$202,385
+HK$11,608/mo
Deposit HK$39.36M · loan HK$39.36M · min. income ≈ HK$381,554/mo (50% DSR)
Upfront cash ≈ HK$42.71M (deposit + AVD stamp duty HK$3,345,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,714
−HK$10,790/mo
▼ 0.25% · 3.875%
HK$205,070
−HK$5,434/mo
Today · 4.125%
HK$210,504
baseline
▲ 0.50% · 4.625%
HK$221,599
+HK$11,095/mo
Deposit HK$39.36M · loan HK$39.36M · min. income ≈ HK$421,008/mo (50% DSR)
Upfront cash ≈ HK$42.71M (deposit + AVD stamp duty HK$3,345,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,423
−HK$13,509/mo
▼ 0.25% · 3.875%
HK$222,124
−HK$6,808/mo
Today · 4.125%
HK$228,932
baseline
▲ 0.50% · 4.625%
HK$242,862
+HK$13,930/mo
Deposit HK$31.49M · loan HK$47.24M · min. income ≈ HK$457,864/mo (50% DSR)
Upfront cash ≈ HK$34.84M (deposit + AVD stamp duty HK$3,345,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,656
−HK$12,948/mo
▼ 0.25% · 3.875%
HK$246,084
−HK$6,520/mo
Today · 4.125%
HK$252,604
baseline
▲ 0.50% · 4.625%
HK$265,919
+HK$13,315/mo
Deposit HK$31.49M · loan HK$47.24M · min. income ≈ HK$505,208/mo (50% DSR)
Upfront cash ≈ HK$34.84M (deposit + AVD stamp duty HK$3,345,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,327
−HK$15,761/mo
▼ 0.25% · 3.875%
HK$259,145
−HK$7,943/mo
Today · 4.125%
HK$267,088
baseline
▲ 0.50% · 4.625%
HK$283,339
+HK$16,251/mo
Deposit HK$23.62M · loan HK$55.11M · min. income ≈ HK$534,176/mo (50% DSR)
Upfront cash ≈ HK$26.96M (deposit + AVD stamp duty HK$3,345,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,599
−HK$15,106/mo
▼ 0.25% · 3.875%
HK$287,098
−HK$7,607/mo
Today · 4.125%
HK$294,705
baseline
▲ 0.50% · 4.625%
HK$310,239
+HK$15,534/mo
Deposit HK$23.62M · loan HK$55.11M · min. income ≈ HK$589,410/mo (50% DSR)
Upfront cash ≈ HK$26.96M (deposit + AVD stamp duty HK$3,345,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,135
−HK$20,264/mo
▼ 0.25% · 3.875%
HK$333,186
−HK$10,213/mo
Today · 4.125%
HK$343,399
baseline
▲ 0.50% · 4.625%
HK$364,293
+HK$20,894/mo
Deposit HK$7.87M · loan HK$70.85M · min. income ≈ HK$686,798/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$3,345,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$359,485
−HK$19,421/mo
▼ 0.25% · 3.875%
HK$369,126
−HK$9,780/mo
Today · 4.125%
HK$378,906
baseline
▲ 0.50% · 4.625%
HK$398,879
+HK$19,973/mo
Deposit HK$7.87M · loan HK$70.85M · min. income ≈ HK$757,812/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$3,345,930 · Scale 2, in force from 26 Feb 2026)