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$177,944
−HK$11,159/mo
▼ 0.25% · 3.875%
HK$183,479
−HK$5,624/mo
Today · 4.125%
HK$189,103
baseline
▲ 0.50% · 4.625%
HK$200,609
+HK$11,506/mo
Deposit HK$39.02M · loan HK$39.02M · min. income ≈ HK$378,206/mo (50% DSR)
Upfront cash ≈ HK$42.33M (deposit + AVD stamp duty HK$3,316,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,961
−HK$10,695/mo
▼ 0.25% · 3.875%
HK$203,270
−HK$5,386/mo
Today · 4.125%
HK$208,656
baseline
▲ 0.50% · 4.625%
HK$219,655
+HK$10,999/mo
Deposit HK$39.02M · loan HK$39.02M · min. income ≈ HK$417,312/mo (50% DSR)
Upfront cash ≈ HK$42.33M (deposit + AVD stamp duty HK$3,316,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,533
−HK$13,390/mo
▼ 0.25% · 3.875%
HK$220,175
−HK$6,748/mo
Today · 4.125%
HK$226,923
baseline
▲ 0.50% · 4.625%
HK$240,731
+HK$13,808/mo
Deposit HK$31.21M · loan HK$46.82M · min. income ≈ HK$453,846/mo (50% DSR)
Upfront cash ≈ HK$34.53M (deposit + AVD stamp duty HK$3,316,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,553
−HK$12,834/mo
▼ 0.25% · 3.875%
HK$243,924
−HK$6,463/mo
Today · 4.125%
HK$250,387
baseline
▲ 0.50% · 4.625%
HK$263,586
+HK$13,199/mo
Deposit HK$31.21M · loan HK$46.82M · min. income ≈ HK$500,774/mo (50% DSR)
Upfront cash ≈ HK$34.53M (deposit + AVD stamp duty HK$3,316,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,122
−HK$15,622/mo
▼ 0.25% · 3.875%
HK$256,871
−HK$7,873/mo
Today · 4.125%
HK$264,744
baseline
▲ 0.50% · 4.625%
HK$280,853
+HK$16,109/mo
Deposit HK$23.41M · loan HK$54.63M · min. income ≈ HK$529,488/mo (50% DSR)
Upfront cash ≈ HK$26.73M (deposit + AVD stamp duty HK$3,316,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,145
−HK$14,974/mo
▼ 0.25% · 3.875%
HK$284,578
−HK$7,541/mo
Today · 4.125%
HK$292,119
baseline
▲ 0.50% · 4.625%
HK$307,517
+HK$15,398/mo
Deposit HK$23.41M · loan HK$54.63M · min. income ≈ HK$584,238/mo (50% DSR)
Upfront cash ≈ HK$26.73M (deposit + AVD stamp duty HK$3,316,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$320,299
−HK$20,086/mo
▼ 0.25% · 3.875%
HK$330,262
−HK$10,123/mo
Today · 4.125%
HK$340,385
baseline
▲ 0.50% · 4.625%
HK$361,096
+HK$20,711/mo
Deposit HK$7.80M · loan HK$70.23M · min. income ≈ HK$680,770/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$3,316,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$356,330
−HK$19,251/mo
▼ 0.25% · 3.875%
HK$365,886
−HK$9,695/mo
Today · 4.125%
HK$375,581
baseline
▲ 0.50% · 4.625%
HK$395,379
+HK$19,798/mo
Deposit HK$7.80M · loan HK$70.23M · min. income ≈ HK$751,162/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$3,316,567 · Scale 2, in force from 26 Feb 2026)