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$179,414
−HK$11,250/mo
▼ 0.25% · 3.875%
HK$184,994
−HK$5,670/mo
Today · 4.125%
HK$190,664
baseline
▲ 0.50% · 4.625%
HK$202,266
+HK$11,602/mo
Deposit HK$39.34M · loan HK$39.34M · min. income ≈ HK$381,328/mo (50% DSR)
Upfront cash ≈ HK$42.68M (deposit + AVD stamp duty HK$3,343,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,596
−HK$10,783/mo
▼ 0.25% · 3.875%
HK$204,949
−HK$5,430/mo
Today · 4.125%
HK$210,379
baseline
▲ 0.50% · 4.625%
HK$221,469
+HK$11,090/mo
Deposit HK$39.34M · loan HK$39.34M · min. income ≈ HK$420,758/mo (50% DSR)
Upfront cash ≈ HK$42.68M (deposit + AVD stamp duty HK$3,343,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,296
−HK$13,501/mo
▼ 0.25% · 3.875%
HK$221,993
−HK$6,804/mo
Today · 4.125%
HK$228,797
baseline
▲ 0.50% · 4.625%
HK$242,719
+HK$13,922/mo
Deposit HK$31.47M · loan HK$47.21M · min. income ≈ HK$457,594/mo (50% DSR)
Upfront cash ≈ HK$34.82M (deposit + AVD stamp duty HK$3,343,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,515
−HK$12,940/mo
▼ 0.25% · 3.875%
HK$245,939
−HK$6,516/mo
Today · 4.125%
HK$252,455
baseline
▲ 0.50% · 4.625%
HK$265,763
+HK$13,308/mo
Deposit HK$31.47M · loan HK$47.21M · min. income ≈ HK$504,910/mo (50% DSR)
Upfront cash ≈ HK$34.82M (deposit + AVD stamp duty HK$3,343,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,179
−HK$15,751/mo
▼ 0.25% · 3.875%
HK$258,992
−HK$7,938/mo
Today · 4.125%
HK$266,930
baseline
▲ 0.50% · 4.625%
HK$283,172
+HK$16,242/mo
Deposit HK$23.60M · loan HK$55.08M · min. income ≈ HK$533,860/mo (50% DSR)
Upfront cash ≈ HK$26.95M (deposit + AVD stamp duty HK$3,343,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,434
−HK$15,097/mo
▼ 0.25% · 3.875%
HK$286,928
−HK$7,603/mo
Today · 4.125%
HK$294,531
baseline
▲ 0.50% · 4.625%
HK$310,056
+HK$15,525/mo
Deposit HK$23.60M · loan HK$55.08M · min. income ≈ HK$589,062/mo (50% DSR)
Upfront cash ≈ HK$26.95M (deposit + AVD stamp duty HK$3,343,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$322,944
−HK$20,252/mo
▼ 0.25% · 3.875%
HK$332,990
−HK$10,206/mo
Today · 4.125%
HK$343,196
baseline
▲ 0.50% · 4.625%
HK$364,079
+HK$20,883/mo
Deposit HK$7.87M · loan HK$70.81M · min. income ≈ HK$686,392/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$3,343,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$359,273
−HK$19,410/mo
▼ 0.25% · 3.875%
HK$368,908
−HK$9,775/mo
Today · 4.125%
HK$378,683
baseline
▲ 0.50% · 4.625%
HK$398,644
+HK$19,961/mo
Deposit HK$7.87M · loan HK$70.81M · min. income ≈ HK$757,366/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$3,343,957 · Scale 2, in force from 26 Feb 2026)