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$171,023
−HK$10,724/mo
▼ 0.25% · 3.875%
HK$176,342
−HK$5,405/mo
Today · 4.125%
HK$181,747
baseline
▲ 0.50% · 4.625%
HK$192,806
+HK$11,059/mo
Deposit HK$37.50M · loan HK$37.50M · min. income ≈ HK$363,494/mo (50% DSR)
Upfront cash ≈ HK$40.69M (deposit + AVD stamp duty HK$3,187,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,261
−HK$10,279/mo
▼ 0.25% · 3.875%
HK$195,364
−HK$5,176/mo
Today · 4.125%
HK$200,540
baseline
▲ 0.50% · 4.625%
HK$211,111
+HK$10,571/mo
Deposit HK$37.50M · loan HK$37.50M · min. income ≈ HK$401,080/mo (50% DSR)
Upfront cash ≈ HK$40.69M (deposit + AVD stamp duty HK$3,187,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,227
−HK$12,870/mo
▼ 0.25% · 3.875%
HK$211,611
−HK$6,486/mo
Today · 4.125%
HK$218,097
baseline
▲ 0.50% · 4.625%
HK$231,367
+HK$13,270/mo
Deposit HK$30.00M · loan HK$45.00M · min. income ≈ HK$436,194/mo (50% DSR)
Upfront cash ≈ HK$33.19M (deposit + AVD stamp duty HK$3,187,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,313
−HK$12,335/mo
▼ 0.25% · 3.875%
HK$234,436
−HK$6,212/mo
Today · 4.125%
HK$240,648
baseline
▲ 0.50% · 4.625%
HK$253,333
+HK$12,685/mo
Deposit HK$30.00M · loan HK$45.00M · min. income ≈ HK$481,296/mo (50% DSR)
Upfront cash ≈ HK$33.19M (deposit + AVD stamp duty HK$3,187,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,432
−HK$15,014/mo
▼ 0.25% · 3.875%
HK$246,879
−HK$7,567/mo
Today · 4.125%
HK$254,446
baseline
▲ 0.50% · 4.625%
HK$269,929
+HK$15,483/mo
Deposit HK$22.50M · loan HK$52.50M · min. income ≈ HK$508,892/mo (50% DSR)
Upfront cash ≈ HK$25.69M (deposit + AVD stamp duty HK$3,187,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,365
−HK$14,391/mo
▼ 0.25% · 3.875%
HK$273,509
−HK$7,247/mo
Today · 4.125%
HK$280,756
baseline
▲ 0.50% · 4.625%
HK$295,555
+HK$14,799/mo
Deposit HK$22.50M · loan HK$52.50M · min. income ≈ HK$561,512/mo (50% DSR)
Upfront cash ≈ HK$25.69M (deposit + AVD stamp duty HK$3,187,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$307,841
−HK$19,304/mo
▼ 0.25% · 3.875%
HK$317,416
−HK$9,729/mo
Today · 4.125%
HK$327,145
baseline
▲ 0.50% · 4.625%
HK$347,051
+HK$19,906/mo
Deposit HK$7.50M · loan HK$67.50M · min. income ≈ HK$654,290/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$3,187,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$342,470
−HK$18,502/mo
▼ 0.25% · 3.875%
HK$351,655
−HK$9,317/mo
Today · 4.125%
HK$360,972
baseline
▲ 0.50% · 4.625%
HK$380,000
+HK$19,028/mo
Deposit HK$7.50M · loan HK$67.50M · min. income ≈ HK$721,944/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$3,187,565 · Scale 2, in force from 26 Feb 2026)