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$173,277
−HK$10,866/mo
▼ 0.25% · 3.875%
HK$178,667
−HK$5,476/mo
Today · 4.125%
HK$184,143
baseline
▲ 0.50% · 4.625%
HK$195,348
+HK$11,205/mo
Deposit HK$38.00M · loan HK$38.00M · min. income ≈ HK$368,286/mo (50% DSR)
Upfront cash ≈ HK$41.22M (deposit + AVD stamp duty HK$3,229,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,769
−HK$10,415/mo
▼ 0.25% · 3.875%
HK$197,939
−HK$5,245/mo
Today · 4.125%
HK$203,184
baseline
▲ 0.50% · 4.625%
HK$213,894
+HK$10,710/mo
Deposit HK$38.00M · loan HK$38.00M · min. income ≈ HK$406,368/mo (50% DSR)
Upfront cash ≈ HK$41.22M (deposit + AVD stamp duty HK$3,229,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,933
−HK$13,039/mo
▼ 0.25% · 3.875%
HK$214,400
−HK$6,572/mo
Today · 4.125%
HK$220,972
baseline
▲ 0.50% · 4.625%
HK$234,417
+HK$13,445/mo
Deposit HK$30.40M · loan HK$45.59M · min. income ≈ HK$441,944/mo (50% DSR)
Upfront cash ≈ HK$33.63M (deposit + AVD stamp duty HK$3,229,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,323
−HK$12,498/mo
▼ 0.25% · 3.875%
HK$237,527
−HK$6,294/mo
Today · 4.125%
HK$243,821
baseline
▲ 0.50% · 4.625%
HK$256,673
+HK$12,852/mo
Deposit HK$30.40M · loan HK$45.59M · min. income ≈ HK$487,642/mo (50% DSR)
Upfront cash ≈ HK$33.63M (deposit + AVD stamp duty HK$3,229,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,588
−HK$15,212/mo
▼ 0.25% · 3.875%
HK$250,134
−HK$7,666/mo
Today · 4.125%
HK$257,800
baseline
▲ 0.50% · 4.625%
HK$273,487
+HK$15,687/mo
Deposit HK$22.80M · loan HK$53.19M · min. income ≈ HK$515,600/mo (50% DSR)
Upfront cash ≈ HK$26.03M (deposit + AVD stamp duty HK$3,229,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,877
−HK$14,580/mo
▼ 0.25% · 3.875%
HK$277,115
−HK$7,342/mo
Today · 4.125%
HK$284,457
baseline
▲ 0.50% · 4.625%
HK$299,451
+HK$14,994/mo
Deposit HK$22.80M · loan HK$53.19M · min. income ≈ HK$568,914/mo (50% DSR)
Upfront cash ≈ HK$26.03M (deposit + AVD stamp duty HK$3,229,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,899
−HK$19,559/mo
▼ 0.25% · 3.875%
HK$321,601
−HK$9,857/mo
Today · 4.125%
HK$331,458
baseline
▲ 0.50% · 4.625%
HK$351,626
+HK$20,168/mo
Deposit HK$7.60M · loan HK$68.39M · min. income ≈ HK$662,916/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$3,229,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$346,984
−HK$18,747/mo
▼ 0.25% · 3.875%
HK$356,290
−HK$9,441/mo
Today · 4.125%
HK$365,731
baseline
▲ 0.50% · 4.625%
HK$385,009
+HK$19,278/mo
Deposit HK$7.60M · loan HK$68.39M · min. income ≈ HK$731,462/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$3,229,583 · Scale 2, in force from 26 Feb 2026)