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$179,680
−HK$11,268/mo
▼ 0.25% · 3.875%
HK$185,269
−HK$5,679/mo
Today · 4.125%
HK$190,948
baseline
▲ 0.50% · 4.625%
HK$202,566
+HK$11,618/mo
Deposit HK$39.40M · loan HK$39.40M · min. income ≈ HK$381,896/mo (50% DSR)
Upfront cash ≈ HK$42.75M (deposit + AVD stamp duty HK$3,348,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,892
−HK$10,800/mo
▼ 0.25% · 3.875%
HK$205,253
−HK$5,439/mo
Today · 4.125%
HK$210,692
baseline
▲ 0.50% · 4.625%
HK$221,798
+HK$11,106/mo
Deposit HK$39.40M · loan HK$39.40M · min. income ≈ HK$421,384/mo (50% DSR)
Upfront cash ≈ HK$42.75M (deposit + AVD stamp duty HK$3,348,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,616
−HK$13,521/mo
▼ 0.25% · 3.875%
HK$222,323
−HK$6,814/mo
Today · 4.125%
HK$229,137
baseline
▲ 0.50% · 4.625%
HK$243,080
+HK$13,943/mo
Deposit HK$31.52M · loan HK$47.28M · min. income ≈ HK$458,274/mo (50% DSR)
Upfront cash ≈ HK$34.87M (deposit + AVD stamp duty HK$3,348,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,871
−HK$12,959/mo
▼ 0.25% · 3.875%
HK$246,304
−HK$6,526/mo
Today · 4.125%
HK$252,830
baseline
▲ 0.50% · 4.625%
HK$266,157
+HK$13,327/mo
Deposit HK$31.52M · loan HK$47.28M · min. income ≈ HK$505,660/mo (50% DSR)
Upfront cash ≈ HK$34.87M (deposit + AVD stamp duty HK$3,348,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,552
−HK$15,775/mo
▼ 0.25% · 3.875%
HK$259,377
−HK$7,950/mo
Today · 4.125%
HK$267,327
baseline
▲ 0.50% · 4.625%
HK$283,593
+HK$16,266/mo
Deposit HK$23.64M · loan HK$55.16M · min. income ≈ HK$534,654/mo (50% DSR)
Upfront cash ≈ HK$26.99M (deposit + AVD stamp duty HK$3,348,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,849
−HK$15,120/mo
▼ 0.25% · 3.875%
HK$287,355
−HK$7,614/mo
Today · 4.125%
HK$294,969
baseline
▲ 0.50% · 4.625%
HK$310,517
+HK$15,548/mo
Deposit HK$23.64M · loan HK$55.16M · min. income ≈ HK$589,938/mo (50% DSR)
Upfront cash ≈ HK$26.99M (deposit + AVD stamp duty HK$3,348,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,424
−HK$20,282/mo
▼ 0.25% · 3.875%
HK$333,485
−HK$10,221/mo
Today · 4.125%
HK$343,706
baseline
▲ 0.50% · 4.625%
HK$364,620
+HK$20,914/mo
Deposit HK$7.88M · loan HK$70.92M · min. income ≈ HK$687,412/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$3,348,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$359,806
−HK$19,440/mo
▼ 0.25% · 3.875%
HK$369,456
−HK$9,790/mo
Today · 4.125%
HK$379,246
baseline
▲ 0.50% · 4.625%
HK$399,236
+HK$19,990/mo
Deposit HK$7.88M · loan HK$70.92M · min. income ≈ HK$758,492/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$3,348,925 · Scale 2, in force from 26 Feb 2026)