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$170,137
−HK$10,669/mo
▼ 0.25% · 3.875%
HK$175,429
−HK$5,377/mo
Today · 4.125%
HK$180,806
baseline
▲ 0.50% · 4.625%
HK$191,808
+HK$11,002/mo
Deposit HK$37.31M · loan HK$37.31M · min. income ≈ HK$361,612/mo (50% DSR)
Upfront cash ≈ HK$40.48M (deposit + AVD stamp duty HK$3,171,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,276
−HK$10,226/mo
▼ 0.25% · 3.875%
HK$194,352
−HK$5,150/mo
Today · 4.125%
HK$199,502
baseline
▲ 0.50% · 4.625%
HK$210,018
+HK$10,516/mo
Deposit HK$37.31M · loan HK$37.31M · min. income ≈ HK$399,004/mo (50% DSR)
Upfront cash ≈ HK$40.48M (deposit + AVD stamp duty HK$3,171,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,165
−HK$12,803/mo
▼ 0.25% · 3.875%
HK$210,515
−HK$6,453/mo
Today · 4.125%
HK$216,968
baseline
▲ 0.50% · 4.625%
HK$230,170
+HK$13,202/mo
Deposit HK$29.85M · loan HK$44.77M · min. income ≈ HK$433,936/mo (50% DSR)
Upfront cash ≈ HK$33.02M (deposit + AVD stamp duty HK$3,171,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,131
−HK$12,271/mo
▼ 0.25% · 3.875%
HK$233,223
−HK$6,179/mo
Today · 4.125%
HK$239,402
baseline
▲ 0.50% · 4.625%
HK$252,022
+HK$12,620/mo
Deposit HK$29.85M · loan HK$44.77M · min. income ≈ HK$478,804/mo (50% DSR)
Upfront cash ≈ HK$33.02M (deposit + AVD stamp duty HK$3,171,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,192
−HK$14,937/mo
▼ 0.25% · 3.875%
HK$245,601
−HK$7,528/mo
Today · 4.125%
HK$253,129
baseline
▲ 0.50% · 4.625%
HK$268,531
+HK$15,402/mo
Deposit HK$22.38M · loan HK$52.23M · min. income ≈ HK$506,258/mo (50% DSR)
Upfront cash ≈ HK$25.56M (deposit + AVD stamp duty HK$3,171,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,986
−HK$14,317/mo
▼ 0.25% · 3.875%
HK$272,093
−HK$7,210/mo
Today · 4.125%
HK$279,303
baseline
▲ 0.50% · 4.625%
HK$294,025
+HK$14,722/mo
Deposit HK$22.38M · loan HK$52.23M · min. income ≈ HK$558,606/mo (50% DSR)
Upfront cash ≈ HK$25.56M (deposit + AVD stamp duty HK$3,171,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,247
−HK$19,204/mo
▼ 0.25% · 3.875%
HK$315,773
−HK$9,678/mo
Today · 4.125%
HK$325,451
baseline
▲ 0.50% · 4.625%
HK$345,254
+HK$19,803/mo
Deposit HK$7.46M · loan HK$67.15M · min. income ≈ HK$650,902/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$3,171,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$340,697
−HK$18,407/mo
▼ 0.25% · 3.875%
HK$349,834
−HK$9,270/mo
Today · 4.125%
HK$359,104
baseline
▲ 0.50% · 4.625%
HK$378,032
+HK$18,928/mo
Deposit HK$7.46M · loan HK$67.15M · min. income ≈ HK$718,208/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$3,171,062 · Scale 2, in force from 26 Feb 2026)