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$177,046
−HK$11,102/mo
▼ 0.25% · 3.875%
HK$182,553
−HK$5,595/mo
Today · 4.125%
HK$188,148
baseline
▲ 0.50% · 4.625%
HK$199,597
+HK$11,449/mo
Deposit HK$38.82M · loan HK$38.82M · min. income ≈ HK$376,296/mo (50% DSR)
Upfront cash ≈ HK$42.12M (deposit + AVD stamp duty HK$3,299,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,962
−HK$10,641/mo
▼ 0.25% · 3.875%
HK$202,244
−HK$5,359/mo
Today · 4.125%
HK$207,603
baseline
▲ 0.50% · 4.625%
HK$218,546
+HK$10,943/mo
Deposit HK$38.82M · loan HK$38.82M · min. income ≈ HK$415,206/mo (50% DSR)
Upfront cash ≈ HK$42.12M (deposit + AVD stamp duty HK$3,299,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,455
−HK$13,323/mo
▼ 0.25% · 3.875%
HK$219,064
−HK$6,714/mo
Today · 4.125%
HK$225,778
baseline
▲ 0.50% · 4.625%
HK$239,516
+HK$13,738/mo
Deposit HK$31.06M · loan HK$46.59M · min. income ≈ HK$451,556/mo (50% DSR)
Upfront cash ≈ HK$34.36M (deposit + AVD stamp duty HK$3,299,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,354
−HK$12,770/mo
▼ 0.25% · 3.875%
HK$242,693
−HK$6,431/mo
Today · 4.125%
HK$249,124
baseline
▲ 0.50% · 4.625%
HK$262,255
+HK$13,131/mo
Deposit HK$31.06M · loan HK$46.59M · min. income ≈ HK$498,248/mo (50% DSR)
Upfront cash ≈ HK$34.36M (deposit + AVD stamp duty HK$3,299,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,864
−HK$15,544/mo
▼ 0.25% · 3.875%
HK$255,574
−HK$7,834/mo
Today · 4.125%
HK$263,408
baseline
▲ 0.50% · 4.625%
HK$279,435
+HK$16,027/mo
Deposit HK$23.29M · loan HK$54.35M · min. income ≈ HK$526,816/mo (50% DSR)
Upfront cash ≈ HK$26.59M (deposit + AVD stamp duty HK$3,299,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,747
−HK$14,897/mo
▼ 0.25% · 3.875%
HK$283,142
−HK$7,502/mo
Today · 4.125%
HK$290,644
baseline
▲ 0.50% · 4.625%
HK$305,965
+HK$15,321/mo
Deposit HK$23.29M · loan HK$54.35M · min. income ≈ HK$581,288/mo (50% DSR)
Upfront cash ≈ HK$26.59M (deposit + AVD stamp duty HK$3,299,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,683
−HK$19,984/mo
▼ 0.25% · 3.875%
HK$328,596
−HK$10,071/mo
Today · 4.125%
HK$338,667
baseline
▲ 0.50% · 4.625%
HK$359,274
+HK$20,607/mo
Deposit HK$7.76M · loan HK$69.88M · min. income ≈ HK$677,334/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$3,299,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$354,531
−HK$19,155/mo
▼ 0.25% · 3.875%
HK$364,040
−HK$9,646/mo
Today · 4.125%
HK$373,686
baseline
▲ 0.50% · 4.625%
HK$393,383
+HK$19,697/mo
Deposit HK$7.76M · loan HK$69.88M · min. income ≈ HK$747,372/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$3,299,828 · Scale 2, in force from 26 Feb 2026)