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$178,888
−HK$11,218/mo
▼ 0.25% · 3.875%
HK$184,453
−HK$5,653/mo
Today · 4.125%
HK$190,106
baseline
▲ 0.50% · 4.625%
HK$201,674
+HK$11,568/mo
Deposit HK$39.23M · loan HK$39.23M · min. income ≈ HK$380,212/mo (50% DSR)
Upfront cash ≈ HK$42.56M (deposit + AVD stamp duty HK$3,334,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,012
−HK$10,752/mo
▼ 0.25% · 3.875%
HK$204,349
−HK$5,415/mo
Today · 4.125%
HK$209,764
baseline
▲ 0.50% · 4.625%
HK$220,821
+HK$11,057/mo
Deposit HK$39.23M · loan HK$39.23M · min. income ≈ HK$419,528/mo (50% DSR)
Upfront cash ≈ HK$42.56M (deposit + AVD stamp duty HK$3,334,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,666
−HK$13,462/mo
▼ 0.25% · 3.875%
HK$221,343
−HK$6,785/mo
Today · 4.125%
HK$228,128
baseline
▲ 0.50% · 4.625%
HK$242,009
+HK$13,881/mo
Deposit HK$31.38M · loan HK$47.07M · min. income ≈ HK$456,256/mo (50% DSR)
Upfront cash ≈ HK$34.71M (deposit + AVD stamp duty HK$3,334,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,814
−HK$12,902/mo
▼ 0.25% · 3.875%
HK$245,219
−HK$6,497/mo
Today · 4.125%
HK$251,716
baseline
▲ 0.50% · 4.625%
HK$264,985
+HK$13,269/mo
Deposit HK$31.38M · loan HK$47.07M · min. income ≈ HK$503,432/mo (50% DSR)
Upfront cash ≈ HK$34.71M (deposit + AVD stamp duty HK$3,334,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,444
−HK$15,705/mo
▼ 0.25% · 3.875%
HK$258,234
−HK$7,915/mo
Today · 4.125%
HK$266,149
baseline
▲ 0.50% · 4.625%
HK$282,343
+HK$16,194/mo
Deposit HK$23.54M · loan HK$54.92M · min. income ≈ HK$532,298/mo (50% DSR)
Upfront cash ≈ HK$26.87M (deposit + AVD stamp duty HK$3,334,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,616
−HK$15,053/mo
▼ 0.25% · 3.875%
HK$286,089
−HK$7,580/mo
Today · 4.125%
HK$293,669
baseline
▲ 0.50% · 4.625%
HK$309,149
+HK$15,480/mo
Deposit HK$23.54M · loan HK$54.92M · min. income ≈ HK$587,338/mo (50% DSR)
Upfront cash ≈ HK$26.87M (deposit + AVD stamp duty HK$3,334,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$321,999
−HK$20,192/mo
▼ 0.25% · 3.875%
HK$332,015
−HK$10,176/mo
Today · 4.125%
HK$342,191
baseline
▲ 0.50% · 4.625%
HK$363,013
+HK$20,822/mo
Deposit HK$7.85M · loan HK$70.61M · min. income ≈ HK$684,382/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$3,334,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$358,221
−HK$19,353/mo
▼ 0.25% · 3.875%
HK$367,828
−HK$9,746/mo
Today · 4.125%
HK$377,574
baseline
▲ 0.50% · 4.625%
HK$397,477
+HK$19,903/mo
Deposit HK$7.85M · loan HK$70.61M · min. income ≈ HK$755,148/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$3,334,169 · Scale 2, in force from 26 Feb 2026)