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$173,952
−HK$10,909/mo
▼ 0.25% · 3.875%
HK$179,363
−HK$5,498/mo
Today · 4.125%
HK$184,861
baseline
▲ 0.50% · 4.625%
HK$196,109
+HK$11,248/mo
Deposit HK$38.14M · loan HK$38.14M · min. income ≈ HK$369,722/mo (50% DSR)
Upfront cash ≈ HK$41.39M (deposit + AVD stamp duty HK$3,242,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,520
−HK$10,456/mo
▼ 0.25% · 3.875%
HK$198,711
−HK$5,265/mo
Today · 4.125%
HK$203,976
baseline
▲ 0.50% · 4.625%
HK$214,728
+HK$10,752/mo
Deposit HK$38.14M · loan HK$38.14M · min. income ≈ HK$407,952/mo (50% DSR)
Upfront cash ≈ HK$41.39M (deposit + AVD stamp duty HK$3,242,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,743
−HK$13,090/mo
▼ 0.25% · 3.875%
HK$215,236
−HK$6,597/mo
Today · 4.125%
HK$221,833
baseline
▲ 0.50% · 4.625%
HK$235,331
+HK$13,498/mo
Deposit HK$30.51M · loan HK$45.77M · min. income ≈ HK$443,666/mo (50% DSR)
Upfront cash ≈ HK$33.76M (deposit + AVD stamp duty HK$3,242,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,224
−HK$12,547/mo
▼ 0.25% · 3.875%
HK$238,453
−HK$6,318/mo
Today · 4.125%
HK$244,771
baseline
▲ 0.50% · 4.625%
HK$257,673
+HK$12,902/mo
Deposit HK$30.51M · loan HK$45.77M · min. income ≈ HK$489,542/mo (50% DSR)
Upfront cash ≈ HK$33.76M (deposit + AVD stamp duty HK$3,242,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,533
−HK$15,272/mo
▼ 0.25% · 3.875%
HK$251,109
−HK$7,696/mo
Today · 4.125%
HK$258,805
baseline
▲ 0.50% · 4.625%
HK$274,553
+HK$15,748/mo
Deposit HK$22.89M · loan HK$53.40M · min. income ≈ HK$517,610/mo (50% DSR)
Upfront cash ≈ HK$26.13M (deposit + AVD stamp duty HK$3,242,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,929
−HK$14,637/mo
▼ 0.25% · 3.875%
HK$278,195
−HK$7,371/mo
Today · 4.125%
HK$285,566
baseline
▲ 0.50% · 4.625%
HK$300,619
+HK$15,053/mo
Deposit HK$22.89M · loan HK$53.40M · min. income ≈ HK$571,132/mo (50% DSR)
Upfront cash ≈ HK$26.13M (deposit + AVD stamp duty HK$3,242,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,114
−HK$19,636/mo
▼ 0.25% · 3.875%
HK$322,854
−HK$9,896/mo
Today · 4.125%
HK$332,750
baseline
▲ 0.50% · 4.625%
HK$352,997
+HK$20,247/mo
Deposit HK$7.63M · loan HK$68.66M · min. income ≈ HK$665,500/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$3,242,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$348,337
−HK$18,819/mo
▼ 0.25% · 3.875%
HK$357,679
−HK$9,477/mo
Today · 4.125%
HK$367,156
baseline
▲ 0.50% · 4.625%
HK$386,510
+HK$19,354/mo
Deposit HK$7.63M · loan HK$68.66M · min. income ≈ HK$734,312/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$3,242,171 · Scale 2, in force from 26 Feb 2026)