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$177,479
−HK$11,129/mo
▼ 0.25% · 3.875%
HK$182,999
−HK$5,609/mo
Today · 4.125%
HK$188,608
baseline
▲ 0.50% · 4.625%
HK$200,084
+HK$11,476/mo
Deposit HK$38.92M · loan HK$38.92M · min. income ≈ HK$377,216/mo (50% DSR)
Upfront cash ≈ HK$42.22M (deposit + AVD stamp duty HK$3,307,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,443
−HK$10,667/mo
▼ 0.25% · 3.875%
HK$202,739
−HK$5,371/mo
Today · 4.125%
HK$208,110
baseline
▲ 0.50% · 4.625%
HK$219,080
+HK$10,970/mo
Deposit HK$38.92M · loan HK$38.92M · min. income ≈ HK$416,220/mo (50% DSR)
Upfront cash ≈ HK$42.22M (deposit + AVD stamp duty HK$3,307,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,974
−HK$13,356/mo
▼ 0.25% · 3.875%
HK$219,599
−HK$6,731/mo
Today · 4.125%
HK$226,330
baseline
▲ 0.50% · 4.625%
HK$240,101
+HK$13,771/mo
Deposit HK$31.13M · loan HK$46.70M · min. income ≈ HK$452,660/mo (50% DSR)
Upfront cash ≈ HK$34.44M (deposit + AVD stamp duty HK$3,307,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,932
−HK$12,801/mo
▼ 0.25% · 3.875%
HK$243,286
−HK$6,447/mo
Today · 4.125%
HK$249,733
baseline
▲ 0.50% · 4.625%
HK$262,896
+HK$13,163/mo
Deposit HK$31.13M · loan HK$46.70M · min. income ≈ HK$499,466/mo (50% DSR)
Upfront cash ≈ HK$34.44M (deposit + AVD stamp duty HK$3,307,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,470
−HK$15,581/mo
▼ 0.25% · 3.875%
HK$256,199
−HK$7,852/mo
Today · 4.125%
HK$264,051
baseline
▲ 0.50% · 4.625%
HK$280,118
+HK$16,067/mo
Deposit HK$23.35M · loan HK$54.48M · min. income ≈ HK$528,102/mo (50% DSR)
Upfront cash ≈ HK$26.66M (deposit + AVD stamp duty HK$3,307,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,420
−HK$14,935/mo
▼ 0.25% · 3.875%
HK$283,834
−HK$7,521/mo
Today · 4.125%
HK$291,355
baseline
▲ 0.50% · 4.625%
HK$306,712
+HK$15,357/mo
Deposit HK$23.35M · loan HK$54.48M · min. income ≈ HK$582,710/mo (50% DSR)
Upfront cash ≈ HK$26.66M (deposit + AVD stamp duty HK$3,307,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$319,462
−HK$20,033/mo
▼ 0.25% · 3.875%
HK$329,399
−HK$10,096/mo
Today · 4.125%
HK$339,495
baseline
▲ 0.50% · 4.625%
HK$360,152
+HK$20,657/mo
Deposit HK$7.78M · loan HK$70.05M · min. income ≈ HK$678,990/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$3,307,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$355,398
−HK$19,201/mo
▼ 0.25% · 3.875%
HK$364,929
−HK$9,670/mo
Today · 4.125%
HK$374,599
baseline
▲ 0.50% · 4.625%
HK$394,344
+HK$19,745/mo
Deposit HK$7.78M · loan HK$70.05M · min. income ≈ HK$749,198/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$3,307,893 · Scale 2, in force from 26 Feb 2026)