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$173,891
−HK$10,905/mo
▼ 0.25% · 3.875%
HK$179,300
−HK$5,496/mo
Today · 4.125%
HK$184,796
baseline
▲ 0.50% · 4.625%
HK$196,040
+HK$11,244/mo
Deposit HK$38.13M · loan HK$38.13M · min. income ≈ HK$369,592/mo (50% DSR)
Upfront cash ≈ HK$41.37M (deposit + AVD stamp duty HK$3,241,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,453
−HK$10,451/mo
▼ 0.25% · 3.875%
HK$198,641
−HK$5,263/mo
Today · 4.125%
HK$203,904
baseline
▲ 0.50% · 4.625%
HK$214,652
+HK$10,748/mo
Deposit HK$38.13M · loan HK$38.13M · min. income ≈ HK$407,808/mo (50% DSR)
Upfront cash ≈ HK$41.37M (deposit + AVD stamp duty HK$3,241,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,670
−HK$13,085/mo
▼ 0.25% · 3.875%
HK$215,161
−HK$6,594/mo
Today · 4.125%
HK$221,755
baseline
▲ 0.50% · 4.625%
HK$235,248
+HK$13,493/mo
Deposit HK$30.50M · loan HK$45.76M · min. income ≈ HK$443,510/mo (50% DSR)
Upfront cash ≈ HK$33.74M (deposit + AVD stamp duty HK$3,241,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,143
−HK$12,542/mo
▼ 0.25% · 3.875%
HK$238,369
−HK$6,316/mo
Today · 4.125%
HK$244,685
baseline
▲ 0.50% · 4.625%
HK$257,583
+HK$12,898/mo
Deposit HK$30.50M · loan HK$45.76M · min. income ≈ HK$489,370/mo (50% DSR)
Upfront cash ≈ HK$33.74M (deposit + AVD stamp duty HK$3,241,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,448
−HK$15,266/mo
▼ 0.25% · 3.875%
HK$251,021
−HK$7,693/mo
Today · 4.125%
HK$258,714
baseline
▲ 0.50% · 4.625%
HK$274,457
+HK$15,743/mo
Deposit HK$22.88M · loan HK$53.38M · min. income ≈ HK$517,428/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$3,241,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,834
−HK$14,632/mo
▼ 0.25% · 3.875%
HK$278,097
−HK$7,369/mo
Today · 4.125%
HK$285,466
baseline
▲ 0.50% · 4.625%
HK$300,513
+HK$15,047/mo
Deposit HK$22.88M · loan HK$53.38M · min. income ≈ HK$570,932/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$3,241,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,005
−HK$19,628/mo
▼ 0.25% · 3.875%
HK$322,741
−HK$9,892/mo
Today · 4.125%
HK$332,633
baseline
▲ 0.50% · 4.625%
HK$352,873
+HK$20,240/mo
Deposit HK$7.63M · loan HK$68.63M · min. income ≈ HK$665,266/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$3,241,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$348,215
−HK$18,813/mo
▼ 0.25% · 3.875%
HK$357,553
−HK$9,475/mo
Today · 4.125%
HK$367,028
baseline
▲ 0.50% · 4.625%
HK$386,374
+HK$19,346/mo
Deposit HK$7.63M · loan HK$68.63M · min. income ≈ HK$734,056/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$3,241,034 · Scale 2, in force from 26 Feb 2026)