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$176,126
−HK$11,044/mo
▼ 0.25% · 3.875%
HK$181,604
−HK$5,566/mo
Today · 4.125%
HK$187,170
baseline
▲ 0.50% · 4.625%
HK$198,559
+HK$11,389/mo
Deposit HK$38.62M · loan HK$38.62M · min. income ≈ HK$374,340/mo (50% DSR)
Upfront cash ≈ HK$41.90M (deposit + AVD stamp duty HK$3,282,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,938
−HK$10,586/mo
▼ 0.25% · 3.875%
HK$201,193
−HK$5,331/mo
Today · 4.125%
HK$206,524
baseline
▲ 0.50% · 4.625%
HK$217,410
+HK$10,886/mo
Deposit HK$38.62M · loan HK$38.62M · min. income ≈ HK$413,048/mo (50% DSR)
Upfront cash ≈ HK$41.90M (deposit + AVD stamp duty HK$3,282,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,351
−HK$13,253/mo
▼ 0.25% · 3.875%
HK$217,925
−HK$6,679/mo
Today · 4.125%
HK$224,604
baseline
▲ 0.50% · 4.625%
HK$238,271
+HK$13,667/mo
Deposit HK$30.90M · loan HK$46.34M · min. income ≈ HK$449,208/mo (50% DSR)
Upfront cash ≈ HK$34.18M (deposit + AVD stamp duty HK$3,282,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,125
−HK$12,704/mo
▼ 0.25% · 3.875%
HK$241,431
−HK$6,398/mo
Today · 4.125%
HK$247,829
baseline
▲ 0.50% · 4.625%
HK$260,892
+HK$13,063/mo
Deposit HK$30.90M · loan HK$46.34M · min. income ≈ HK$495,658/mo (50% DSR)
Upfront cash ≈ HK$34.18M (deposit + AVD stamp duty HK$3,282,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,576
−HK$15,462/mo
▼ 0.25% · 3.875%
HK$254,246
−HK$7,792/mo
Today · 4.125%
HK$262,038
baseline
▲ 0.50% · 4.625%
HK$277,983
+HK$15,945/mo
Deposit HK$23.17M · loan HK$54.07M · min. income ≈ HK$524,076/mo (50% DSR)
Upfront cash ≈ HK$26.45M (deposit + AVD stamp duty HK$3,282,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,313
−HK$14,820/mo
▼ 0.25% · 3.875%
HK$281,670
−HK$7,463/mo
Today · 4.125%
HK$289,133
baseline
▲ 0.50% · 4.625%
HK$304,374
+HK$15,241/mo
Deposit HK$23.17M · loan HK$54.07M · min. income ≈ HK$578,266/mo (50% DSR)
Upfront cash ≈ HK$26.45M (deposit + AVD stamp duty HK$3,282,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,026
−HK$19,880/mo
▼ 0.25% · 3.875%
HK$326,887
−HK$10,019/mo
Today · 4.125%
HK$336,906
baseline
▲ 0.50% · 4.625%
HK$357,406
+HK$20,500/mo
Deposit HK$7.72M · loan HK$69.52M · min. income ≈ HK$673,812/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$3,282,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,688
−HK$19,055/mo
▼ 0.25% · 3.875%
HK$362,147
−HK$9,596/mo
Today · 4.125%
HK$371,743
baseline
▲ 0.50% · 4.625%
HK$391,338
+HK$19,595/mo
Deposit HK$7.72M · loan HK$69.52M · min. income ≈ HK$743,486/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$3,282,673 · Scale 2, in force from 26 Feb 2026)