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$169,058
−HK$10,601/mo
▼ 0.25% · 3.875%
HK$174,316
−HK$5,343/mo
Today · 4.125%
HK$179,659
baseline
▲ 0.50% · 4.625%
HK$190,591
+HK$10,932/mo
Deposit HK$37.07M · loan HK$37.07M · min. income ≈ HK$359,318/mo (50% DSR)
Upfront cash ≈ HK$40.22M (deposit + AVD stamp duty HK$3,150,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,075
−HK$10,161/mo
▼ 0.25% · 3.875%
HK$193,119
−HK$5,117/mo
Today · 4.125%
HK$198,236
baseline
▲ 0.50% · 4.625%
HK$208,686
+HK$10,450/mo
Deposit HK$37.07M · loan HK$37.07M · min. income ≈ HK$396,472/mo (50% DSR)
Upfront cash ≈ HK$40.22M (deposit + AVD stamp duty HK$3,150,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,869
−HK$12,722/mo
▼ 0.25% · 3.875%
HK$209,180
−HK$6,411/mo
Today · 4.125%
HK$215,591
baseline
▲ 0.50% · 4.625%
HK$228,709
+HK$13,118/mo
Deposit HK$29.66M · loan HK$44.48M · min. income ≈ HK$431,182/mo (50% DSR)
Upfront cash ≈ HK$32.81M (deposit + AVD stamp duty HK$3,150,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,690
−HK$12,193/mo
▼ 0.25% · 3.875%
HK$231,743
−HK$6,140/mo
Today · 4.125%
HK$237,883
baseline
▲ 0.50% · 4.625%
HK$250,423
+HK$12,540/mo
Deposit HK$29.66M · loan HK$44.48M · min. income ≈ HK$475,766/mo (50% DSR)
Upfront cash ≈ HK$32.81M (deposit + AVD stamp duty HK$3,150,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,681
−HK$14,842/mo
▼ 0.25% · 3.875%
HK$244,043
−HK$7,480/mo
Today · 4.125%
HK$251,523
baseline
▲ 0.50% · 4.625%
HK$266,827
+HK$15,304/mo
Deposit HK$22.24M · loan HK$51.90M · min. income ≈ HK$503,046/mo (50% DSR)
Upfront cash ≈ HK$25.39M (deposit + AVD stamp duty HK$3,150,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,305
−HK$14,226/mo
▼ 0.25% · 3.875%
HK$270,367
−HK$7,164/mo
Today · 4.125%
HK$277,531
baseline
▲ 0.50% · 4.625%
HK$292,160
+HK$14,629/mo
Deposit HK$22.24M · loan HK$51.90M · min. income ≈ HK$555,062/mo (50% DSR)
Upfront cash ≈ HK$25.39M (deposit + AVD stamp duty HK$3,150,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,304
−HK$19,083/mo
▼ 0.25% · 3.875%
HK$313,770
−HK$9,617/mo
Today · 4.125%
HK$323,387
baseline
▲ 0.50% · 4.625%
HK$343,064
+HK$19,677/mo
Deposit HK$7.41M · loan HK$66.73M · min. income ≈ HK$646,774/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$3,150,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$338,535
−HK$18,290/mo
▼ 0.25% · 3.875%
HK$347,614
−HK$9,211/mo
Today · 4.125%
HK$356,825
baseline
▲ 0.50% · 4.625%
HK$375,634
+HK$18,809/mo
Deposit HK$7.41M · loan HK$66.73M · min. income ≈ HK$713,650/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$3,150,943 · Scale 2, in force from 26 Feb 2026)