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$169,625
−HK$10,637/mo
▼ 0.25% · 3.875%
HK$174,901
−HK$5,361/mo
Today · 4.125%
HK$180,262
baseline
▲ 0.50% · 4.625%
HK$191,231
+HK$10,969/mo
Deposit HK$37.19M · loan HK$37.19M · min. income ≈ HK$360,524/mo (50% DSR)
Upfront cash ≈ HK$40.36M (deposit + AVD stamp duty HK$3,161,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,706
−HK$10,196/mo
▼ 0.25% · 3.875%
HK$193,767
−HK$5,135/mo
Today · 4.125%
HK$198,902
baseline
▲ 0.50% · 4.625%
HK$209,386
+HK$10,484/mo
Deposit HK$37.19M · loan HK$37.19M · min. income ≈ HK$397,804/mo (50% DSR)
Upfront cash ≈ HK$40.36M (deposit + AVD stamp duty HK$3,161,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,550
−HK$12,765/mo
▼ 0.25% · 3.875%
HK$209,882
−HK$6,433/mo
Today · 4.125%
HK$216,315
baseline
▲ 0.50% · 4.625%
HK$229,477
+HK$13,162/mo
Deposit HK$29.76M · loan HK$44.63M · min. income ≈ HK$432,630/mo (50% DSR)
Upfront cash ≈ HK$32.92M (deposit + AVD stamp duty HK$3,161,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,448
−HK$12,234/mo
▼ 0.25% · 3.875%
HK$232,521
−HK$6,161/mo
Today · 4.125%
HK$238,682
baseline
▲ 0.50% · 4.625%
HK$251,263
+HK$12,581/mo
Deposit HK$29.76M · loan HK$44.63M · min. income ≈ HK$477,364/mo (50% DSR)
Upfront cash ≈ HK$32.92M (deposit + AVD stamp duty HK$3,161,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,475
−HK$14,892/mo
▼ 0.25% · 3.875%
HK$244,862
−HK$7,505/mo
Today · 4.125%
HK$252,367
baseline
▲ 0.50% · 4.625%
HK$267,723
+HK$15,356/mo
Deposit HK$22.32M · loan HK$52.07M · min. income ≈ HK$504,734/mo (50% DSR)
Upfront cash ≈ HK$25.48M (deposit + AVD stamp duty HK$3,161,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,189
−HK$14,273/mo
▼ 0.25% · 3.875%
HK$271,274
−HK$7,188/mo
Today · 4.125%
HK$278,462
baseline
▲ 0.50% · 4.625%
HK$293,140
+HK$14,678/mo
Deposit HK$22.32M · loan HK$52.07M · min. income ≈ HK$556,924/mo (50% DSR)
Upfront cash ≈ HK$25.48M (deposit + AVD stamp duty HK$3,161,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,325
−HK$19,147/mo
▼ 0.25% · 3.875%
HK$314,823
−HK$9,649/mo
Today · 4.125%
HK$324,472
baseline
▲ 0.50% · 4.625%
HK$344,215
+HK$19,743/mo
Deposit HK$7.44M · loan HK$66.95M · min. income ≈ HK$648,944/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$3,161,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$339,671
−HK$18,352/mo
▼ 0.25% · 3.875%
HK$348,781
−HK$9,242/mo
Today · 4.125%
HK$358,023
baseline
▲ 0.50% · 4.625%
HK$376,895
+HK$18,872/mo
Deposit HK$7.44M · loan HK$66.95M · min. income ≈ HK$716,046/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$3,161,518 · Scale 2, in force from 26 Feb 2026)