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$174,936
−HK$10,970/mo
▼ 0.25% · 3.875%
HK$180,377
−HK$5,529/mo
Today · 4.125%
HK$185,906
baseline
▲ 0.50% · 4.625%
HK$197,218
+HK$11,312/mo
Deposit HK$38.36M · loan HK$38.36M · min. income ≈ HK$371,812/mo (50% DSR)
Upfront cash ≈ HK$41.62M (deposit + AVD stamp duty HK$3,260,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,614
−HK$10,515/mo
▼ 0.25% · 3.875%
HK$199,834
−HK$5,295/mo
Today · 4.125%
HK$205,129
baseline
▲ 0.50% · 4.625%
HK$215,942
+HK$10,813/mo
Deposit HK$38.36M · loan HK$38.36M · min. income ≈ HK$410,258/mo (50% DSR)
Upfront cash ≈ HK$41.62M (deposit + AVD stamp duty HK$3,260,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,923
−HK$13,164/mo
▼ 0.25% · 3.875%
HK$216,453
−HK$6,634/mo
Today · 4.125%
HK$223,087
baseline
▲ 0.50% · 4.625%
HK$236,661
+HK$13,574/mo
Deposit HK$30.69M · loan HK$46.03M · min. income ≈ HK$446,174/mo (50% DSR)
Upfront cash ≈ HK$33.95M (deposit + AVD stamp duty HK$3,260,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,537
−HK$12,618/mo
▼ 0.25% · 3.875%
HK$239,801
−HK$6,354/mo
Today · 4.125%
HK$246,155
baseline
▲ 0.50% · 4.625%
HK$259,130
+HK$12,975/mo
Deposit HK$30.69M · loan HK$46.03M · min. income ≈ HK$492,310/mo (50% DSR)
Upfront cash ≈ HK$33.95M (deposit + AVD stamp duty HK$3,260,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,910
−HK$15,358/mo
▼ 0.25% · 3.875%
HK$252,528
−HK$7,740/mo
Today · 4.125%
HK$260,268
baseline
▲ 0.50% · 4.625%
HK$276,105
+HK$15,837/mo
Deposit HK$23.02M · loan HK$53.70M · min. income ≈ HK$520,536/mo (50% DSR)
Upfront cash ≈ HK$26.28M (deposit + AVD stamp duty HK$3,260,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,460
−HK$14,720/mo
▼ 0.25% · 3.875%
HK$279,768
−HK$7,412/mo
Today · 4.125%
HK$287,180
baseline
▲ 0.50% · 4.625%
HK$302,318
+HK$15,138/mo
Deposit HK$23.02M · loan HK$53.70M · min. income ≈ HK$574,360/mo (50% DSR)
Upfront cash ≈ HK$26.28M (deposit + AVD stamp duty HK$3,260,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$314,885
−HK$19,746/mo
▼ 0.25% · 3.875%
HK$324,679
−HK$9,952/mo
Today · 4.125%
HK$334,631
baseline
▲ 0.50% · 4.625%
HK$354,992
+HK$20,361/mo
Deposit HK$7.67M · loan HK$69.05M · min. income ≈ HK$669,262/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$3,260,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$350,306
−HK$18,926/mo
▼ 0.25% · 3.875%
HK$359,701
−HK$9,531/mo
Today · 4.125%
HK$369,232
baseline
▲ 0.50% · 4.625%
HK$388,695
+HK$19,463/mo
Deposit HK$7.67M · loan HK$69.05M · min. income ≈ HK$738,464/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$3,260,501 · Scale 2, in force from 26 Feb 2026)