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$169,177
−HK$10,609/mo
▼ 0.25% · 3.875%
HK$174,439
−HK$5,347/mo
Today · 4.125%
HK$179,786
baseline
▲ 0.50% · 4.625%
HK$190,725
+HK$10,939/mo
Deposit HK$37.10M · loan HK$37.10M · min. income ≈ HK$359,572/mo (50% DSR)
Upfront cash ≈ HK$40.25M (deposit + AVD stamp duty HK$3,153,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,208
−HK$10,168/mo
▼ 0.25% · 3.875%
HK$193,255
−HK$5,121/mo
Today · 4.125%
HK$198,376
baseline
▲ 0.50% · 4.625%
HK$208,833
+HK$10,457/mo
Deposit HK$37.10M · loan HK$37.10M · min. income ≈ HK$396,752/mo (50% DSR)
Upfront cash ≈ HK$40.25M (deposit + AVD stamp duty HK$3,153,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,012
−HK$12,731/mo
▼ 0.25% · 3.875%
HK$209,327
−HK$6,416/mo
Today · 4.125%
HK$215,743
baseline
▲ 0.50% · 4.625%
HK$228,870
+HK$13,127/mo
Deposit HK$29.68M · loan HK$44.52M · min. income ≈ HK$431,486/mo (50% DSR)
Upfront cash ≈ HK$32.83M (deposit + AVD stamp duty HK$3,153,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,849
−HK$12,202/mo
▼ 0.25% · 3.875%
HK$231,906
−HK$6,145/mo
Today · 4.125%
HK$238,051
baseline
▲ 0.50% · 4.625%
HK$250,599
+HK$12,548/mo
Deposit HK$29.68M · loan HK$44.52M · min. income ≈ HK$476,102/mo (50% DSR)
Upfront cash ≈ HK$32.83M (deposit + AVD stamp duty HK$3,153,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,848
−HK$14,852/mo
▼ 0.25% · 3.875%
HK$244,215
−HK$7,485/mo
Today · 4.125%
HK$251,700
baseline
▲ 0.50% · 4.625%
HK$267,016
+HK$15,316/mo
Deposit HK$22.26M · loan HK$51.93M · min. income ≈ HK$503,400/mo (50% DSR)
Upfront cash ≈ HK$25.41M (deposit + AVD stamp duty HK$3,153,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,491
−HK$14,235/mo
▼ 0.25% · 3.875%
HK$270,557
−HK$7,169/mo
Today · 4.125%
HK$277,726
baseline
▲ 0.50% · 4.625%
HK$292,366
+HK$14,640/mo
Deposit HK$22.26M · loan HK$51.93M · min. income ≈ HK$555,452/mo (50% DSR)
Upfront cash ≈ HK$25.41M (deposit + AVD stamp duty HK$3,153,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,519
−HK$19,095/mo
▼ 0.25% · 3.875%
HK$313,991
−HK$9,623/mo
Today · 4.125%
HK$323,614
baseline
▲ 0.50% · 4.625%
HK$343,306
+HK$19,692/mo
Deposit HK$7.42M · loan HK$66.77M · min. income ≈ HK$647,228/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$3,153,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$338,774
−HK$18,303/mo
▼ 0.25% · 3.875%
HK$347,860
−HK$9,217/mo
Today · 4.125%
HK$357,077
baseline
▲ 0.50% · 4.625%
HK$375,899
+HK$18,822/mo
Deposit HK$7.42M · loan HK$66.77M · min. income ≈ HK$714,154/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$3,153,163 · Scale 2, in force from 26 Feb 2026)