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$175,074
−HK$10,979/mo
▼ 0.25% · 3.875%
HK$180,520
−HK$5,533/mo
Today · 4.125%
HK$186,053
baseline
▲ 0.50% · 4.625%
HK$197,374
+HK$11,321/mo
Deposit HK$38.39M · loan HK$38.39M · min. income ≈ HK$372,106/mo (50% DSR)
Upfront cash ≈ HK$41.65M (deposit + AVD stamp duty HK$3,263,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,768
−HK$10,523/mo
▼ 0.25% · 3.875%
HK$199,992
−HK$5,299/mo
Today · 4.125%
HK$205,291
baseline
▲ 0.50% · 4.625%
HK$216,112
+HK$10,821/mo
Deposit HK$38.39M · loan HK$38.39M · min. income ≈ HK$410,582/mo (50% DSR)
Upfront cash ≈ HK$41.65M (deposit + AVD stamp duty HK$3,263,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,089
−HK$13,175/mo
▼ 0.25% · 3.875%
HK$216,624
−HK$6,640/mo
Today · 4.125%
HK$223,264
baseline
▲ 0.50% · 4.625%
HK$236,849
+HK$13,585/mo
Deposit HK$30.71M · loan HK$46.07M · min. income ≈ HK$446,528/mo (50% DSR)
Upfront cash ≈ HK$33.97M (deposit + AVD stamp duty HK$3,263,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,722
−HK$12,627/mo
▼ 0.25% · 3.875%
HK$239,990
−HK$6,359/mo
Today · 4.125%
HK$246,349
baseline
▲ 0.50% · 4.625%
HK$259,335
+HK$12,986/mo
Deposit HK$30.71M · loan HK$46.07M · min. income ≈ HK$492,698/mo (50% DSR)
Upfront cash ≈ HK$33.97M (deposit + AVD stamp duty HK$3,263,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,104
−HK$15,370/mo
▼ 0.25% · 3.875%
HK$252,728
−HK$7,746/mo
Today · 4.125%
HK$260,474
baseline
▲ 0.50% · 4.625%
HK$276,323
+HK$15,849/mo
Deposit HK$23.03M · loan HK$53.74M · min. income ≈ HK$520,948/mo (50% DSR)
Upfront cash ≈ HK$26.30M (deposit + AVD stamp duty HK$3,263,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,676
−HK$14,732/mo
▼ 0.25% · 3.875%
HK$279,989
−HK$7,419/mo
Today · 4.125%
HK$287,408
baseline
▲ 0.50% · 4.625%
HK$302,557
+HK$15,149/mo
Deposit HK$23.03M · loan HK$53.74M · min. income ≈ HK$574,816/mo (50% DSR)
Upfront cash ≈ HK$26.30M (deposit + AVD stamp duty HK$3,263,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$315,134
−HK$19,761/mo
▼ 0.25% · 3.875%
HK$324,936
−HK$9,959/mo
Today · 4.125%
HK$334,895
baseline
▲ 0.50% · 4.625%
HK$355,273
+HK$20,378/mo
Deposit HK$7.68M · loan HK$69.10M · min. income ≈ HK$669,790/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$3,263,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$350,583
−HK$18,941/mo
▼ 0.25% · 3.875%
HK$359,985
−HK$9,539/mo
Today · 4.125%
HK$369,524
baseline
▲ 0.50% · 4.625%
HK$389,002
+HK$19,478/mo
Deposit HK$7.68M · loan HK$69.10M · min. income ≈ HK$739,048/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$3,263,079 · Scale 2, in force from 26 Feb 2026)