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$176,435
−HK$11,064/mo
▼ 0.25% · 3.875%
HK$181,923
−HK$5,576/mo
Today · 4.125%
HK$187,499
baseline
▲ 0.50% · 4.625%
HK$198,908
+HK$11,409/mo
Deposit HK$38.69M · loan HK$38.69M · min. income ≈ HK$374,998/mo (50% DSR)
Upfront cash ≈ HK$41.98M (deposit + AVD stamp duty HK$3,288,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,282
−HK$10,605/mo
▼ 0.25% · 3.875%
HK$201,546
−HK$5,341/mo
Today · 4.125%
HK$206,887
baseline
▲ 0.50% · 4.625%
HK$217,792
+HK$10,905/mo
Deposit HK$38.69M · loan HK$38.69M · min. income ≈ HK$413,774/mo (50% DSR)
Upfront cash ≈ HK$41.98M (deposit + AVD stamp duty HK$3,288,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,722
−HK$13,277/mo
▼ 0.25% · 3.875%
HK$218,308
−HK$6,691/mo
Today · 4.125%
HK$224,999
baseline
▲ 0.50% · 4.625%
HK$238,690
+HK$13,691/mo
Deposit HK$30.95M · loan HK$46.43M · min. income ≈ HK$449,998/mo (50% DSR)
Upfront cash ≈ HK$34.24M (deposit + AVD stamp duty HK$3,288,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,539
−HK$12,725/mo
▼ 0.25% · 3.875%
HK$241,856
−HK$6,408/mo
Today · 4.125%
HK$248,264
baseline
▲ 0.50% · 4.625%
HK$261,350
+HK$13,086/mo
Deposit HK$30.95M · loan HK$46.43M · min. income ≈ HK$496,528/mo (50% DSR)
Upfront cash ≈ HK$34.24M (deposit + AVD stamp duty HK$3,288,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,009
−HK$15,490/mo
▼ 0.25% · 3.875%
HK$254,692
−HK$7,807/mo
Today · 4.125%
HK$262,499
baseline
▲ 0.50% · 4.625%
HK$278,471
+HK$15,972/mo
Deposit HK$23.21M · loan HK$54.16M · min. income ≈ HK$524,998/mo (50% DSR)
Upfront cash ≈ HK$26.50M (deposit + AVD stamp duty HK$3,288,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,795
−HK$14,846/mo
▼ 0.25% · 3.875%
HK$282,165
−HK$7,476/mo
Today · 4.125%
HK$289,641
baseline
▲ 0.50% · 4.625%
HK$304,909
+HK$15,268/mo
Deposit HK$23.21M · loan HK$54.16M · min. income ≈ HK$579,282/mo (50% DSR)
Upfront cash ≈ HK$26.50M (deposit + AVD stamp duty HK$3,288,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,583
−HK$19,915/mo
▼ 0.25% · 3.875%
HK$327,462
−HK$10,036/mo
Today · 4.125%
HK$337,498
baseline
▲ 0.50% · 4.625%
HK$358,034
+HK$20,536/mo
Deposit HK$7.74M · loan HK$69.64M · min. income ≈ HK$674,996/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$3,288,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$353,308
−HK$19,088/mo
▼ 0.25% · 3.875%
HK$362,784
−HK$9,612/mo
Today · 4.125%
HK$372,396
baseline
▲ 0.50% · 4.625%
HK$392,026
+HK$19,630/mo
Deposit HK$7.74M · loan HK$69.64M · min. income ≈ HK$744,792/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$3,288,442 · Scale 2, in force from 26 Feb 2026)