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$178,612
−HK$11,200/mo
▼ 0.25% · 3.875%
HK$184,168
−HK$5,644/mo
Today · 4.125%
HK$189,812
baseline
▲ 0.50% · 4.625%
HK$201,362
+HK$11,550/mo
Deposit HK$39.16M · loan HK$39.16M · min. income ≈ HK$379,624/mo (50% DSR)
Upfront cash ≈ HK$42.49M (deposit + AVD stamp duty HK$3,329,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,704
−HK$10,735/mo
▼ 0.25% · 3.875%
HK$204,033
−HK$5,406/mo
Today · 4.125%
HK$209,439
baseline
▲ 0.50% · 4.625%
HK$220,479
+HK$11,040/mo
Deposit HK$39.16M · loan HK$39.16M · min. income ≈ HK$418,878/mo (50% DSR)
Upfront cash ≈ HK$42.49M (deposit + AVD stamp duty HK$3,329,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,334
−HK$13,441/mo
▼ 0.25% · 3.875%
HK$221,001
−HK$6,774/mo
Today · 4.125%
HK$227,775
baseline
▲ 0.50% · 4.625%
HK$241,634
+HK$13,859/mo
Deposit HK$31.33M · loan HK$47.00M · min. income ≈ HK$455,550/mo (50% DSR)
Upfront cash ≈ HK$34.66M (deposit + AVD stamp duty HK$3,329,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,445
−HK$12,882/mo
▼ 0.25% · 3.875%
HK$244,840
−HK$6,487/mo
Today · 4.125%
HK$251,327
baseline
▲ 0.50% · 4.625%
HK$264,575
+HK$13,248/mo
Deposit HK$31.33M · loan HK$47.00M · min. income ≈ HK$502,654/mo (50% DSR)
Upfront cash ≈ HK$34.66M (deposit + AVD stamp duty HK$3,329,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,056
−HK$15,681/mo
▼ 0.25% · 3.875%
HK$257,835
−HK$7,902/mo
Today · 4.125%
HK$265,737
baseline
▲ 0.50% · 4.625%
HK$281,907
+HK$16,170/mo
Deposit HK$23.50M · loan HK$54.83M · min. income ≈ HK$531,474/mo (50% DSR)
Upfront cash ≈ HK$26.83M (deposit + AVD stamp duty HK$3,329,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,185
−HK$15,030/mo
▼ 0.25% · 3.875%
HK$285,646
−HK$7,569/mo
Today · 4.125%
HK$293,215
baseline
▲ 0.50% · 4.625%
HK$308,671
+HK$15,456/mo
Deposit HK$23.50M · loan HK$54.83M · min. income ≈ HK$586,430/mo (50% DSR)
Upfront cash ≈ HK$26.83M (deposit + AVD stamp duty HK$3,329,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$321,501
−HK$20,161/mo
▼ 0.25% · 3.875%
HK$331,502
−HK$10,160/mo
Today · 4.125%
HK$341,662
baseline
▲ 0.50% · 4.625%
HK$362,451
+HK$20,789/mo
Deposit HK$7.83M · loan HK$70.50M · min. income ≈ HK$683,324/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$3,329,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$357,667
−HK$19,323/mo
▼ 0.25% · 3.875%
HK$367,259
−HK$9,731/mo
Today · 4.125%
HK$376,990
baseline
▲ 0.50% · 4.625%
HK$396,862
+HK$19,872/mo
Deposit HK$7.83M · loan HK$70.50M · min. income ≈ HK$753,980/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$3,329,012 · Scale 2, in force from 26 Feb 2026)