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$179,343
−HK$11,247/mo
▼ 0.25% · 3.875%
HK$184,922
−HK$5,668/mo
Today · 4.125%
HK$190,590
baseline
▲ 0.50% · 4.625%
HK$202,187
+HK$11,597/mo
Deposit HK$39.33M · loan HK$39.33M · min. income ≈ HK$381,180/mo (50% DSR)
Upfront cash ≈ HK$42.67M (deposit + AVD stamp duty HK$3,342,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,518
−HK$10,779/mo
▼ 0.25% · 3.875%
HK$204,869
−HK$5,428/mo
Today · 4.125%
HK$210,297
baseline
▲ 0.50% · 4.625%
HK$221,382
+HK$11,085/mo
Deposit HK$39.33M · loan HK$39.33M · min. income ≈ HK$420,594/mo (50% DSR)
Upfront cash ≈ HK$42.67M (deposit + AVD stamp duty HK$3,342,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,212
−HK$13,496/mo
▼ 0.25% · 3.875%
HK$221,906
−HK$6,802/mo
Today · 4.125%
HK$228,708
baseline
▲ 0.50% · 4.625%
HK$242,624
+HK$13,916/mo
Deposit HK$31.46M · loan HK$47.19M · min. income ≈ HK$457,416/mo (50% DSR)
Upfront cash ≈ HK$34.80M (deposit + AVD stamp duty HK$3,342,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,421
−HK$12,935/mo
▼ 0.25% · 3.875%
HK$245,842
−HK$6,514/mo
Today · 4.125%
HK$252,356
baseline
▲ 0.50% · 4.625%
HK$265,658
+HK$13,302/mo
Deposit HK$31.46M · loan HK$47.19M · min. income ≈ HK$504,712/mo (50% DSR)
Upfront cash ≈ HK$34.80M (deposit + AVD stamp duty HK$3,342,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,081
−HK$15,745/mo
▼ 0.25% · 3.875%
HK$258,891
−HK$7,935/mo
Today · 4.125%
HK$266,826
baseline
▲ 0.50% · 4.625%
HK$283,061
+HK$16,235/mo
Deposit HK$23.60M · loan HK$55.06M · min. income ≈ HK$533,652/mo (50% DSR)
Upfront cash ≈ HK$26.94M (deposit + AVD stamp duty HK$3,342,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,325
−HK$15,091/mo
▼ 0.25% · 3.875%
HK$286,816
−HK$7,600/mo
Today · 4.125%
HK$294,416
baseline
▲ 0.50% · 4.625%
HK$309,935
+HK$15,519/mo
Deposit HK$23.60M · loan HK$55.06M · min. income ≈ HK$588,832/mo (50% DSR)
Upfront cash ≈ HK$26.94M (deposit + AVD stamp duty HK$3,342,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$322,818
−HK$20,244/mo
▼ 0.25% · 3.875%
HK$332,860
−HK$10,202/mo
Today · 4.125%
HK$343,062
baseline
▲ 0.50% · 4.625%
HK$363,936
+HK$20,874/mo
Deposit HK$7.87M · loan HK$70.79M · min. income ≈ HK$686,124/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$3,342,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$359,132
−HK$19,403/mo
▼ 0.25% · 3.875%
HK$368,764
−HK$9,771/mo
Today · 4.125%
HK$378,535
baseline
▲ 0.50% · 4.625%
HK$398,488
+HK$19,953/mo
Deposit HK$7.87M · loan HK$70.79M · min. income ≈ HK$757,070/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$3,342,648 · Scale 2, in force from 26 Feb 2026)