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$171,893
−HK$10,780/mo
▼ 0.25% · 3.875%
HK$177,240
−HK$5,433/mo
Today · 4.125%
HK$182,673
baseline
▲ 0.50% · 4.625%
HK$193,788
+HK$11,115/mo
Deposit HK$37.69M · loan HK$37.69M · min. income ≈ HK$365,346/mo (50% DSR)
Upfront cash ≈ HK$40.90M (deposit + AVD stamp duty HK$3,203,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,230
−HK$10,331/mo
▼ 0.25% · 3.875%
HK$196,358
−HK$5,203/mo
Today · 4.125%
HK$201,561
baseline
▲ 0.50% · 4.625%
HK$212,186
+HK$10,625/mo
Deposit HK$37.69M · loan HK$37.69M · min. income ≈ HK$403,122/mo (50% DSR)
Upfront cash ≈ HK$40.90M (deposit + AVD stamp duty HK$3,203,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,272
−HK$12,935/mo
▼ 0.25% · 3.875%
HK$212,688
−HK$6,519/mo
Today · 4.125%
HK$219,207
baseline
▲ 0.50% · 4.625%
HK$232,545
+HK$13,338/mo
Deposit HK$30.15M · loan HK$45.23M · min. income ≈ HK$438,414/mo (50% DSR)
Upfront cash ≈ HK$33.36M (deposit + AVD stamp duty HK$3,203,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,476
−HK$12,397/mo
▼ 0.25% · 3.875%
HK$235,630
−HK$6,243/mo
Today · 4.125%
HK$241,873
baseline
▲ 0.50% · 4.625%
HK$254,623
+HK$12,750/mo
Deposit HK$30.15M · loan HK$45.23M · min. income ≈ HK$483,746/mo (50% DSR)
Upfront cash ≈ HK$33.36M (deposit + AVD stamp duty HK$3,203,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,651
−HK$15,091/mo
▼ 0.25% · 3.875%
HK$248,136
−HK$7,606/mo
Today · 4.125%
HK$255,742
baseline
▲ 0.50% · 4.625%
HK$271,303
+HK$15,561/mo
Deposit HK$22.62M · loan HK$52.77M · min. income ≈ HK$511,484/mo (50% DSR)
Upfront cash ≈ HK$25.82M (deposit + AVD stamp duty HK$3,203,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,722
−HK$14,464/mo
▼ 0.25% · 3.875%
HK$274,902
−HK$7,284/mo
Today · 4.125%
HK$282,186
baseline
▲ 0.50% · 4.625%
HK$297,060
+HK$14,874/mo
Deposit HK$22.62M · loan HK$52.77M · min. income ≈ HK$564,372/mo (50% DSR)
Upfront cash ≈ HK$25.82M (deposit + AVD stamp duty HK$3,203,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,408
−HK$19,403/mo
▼ 0.25% · 3.875%
HK$319,032
−HK$9,779/mo
Today · 4.125%
HK$328,811
baseline
▲ 0.50% · 4.625%
HK$348,818
+HK$20,007/mo
Deposit HK$7.54M · loan HK$67.85M · min. income ≈ HK$657,622/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$3,203,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$344,213
−HK$18,597/mo
▼ 0.25% · 3.875%
HK$353,445
−HK$9,365/mo
Today · 4.125%
HK$362,810
baseline
▲ 0.50% · 4.625%
HK$381,934
+HK$19,124/mo
Deposit HK$7.54M · loan HK$67.85M · min. income ≈ HK$725,620/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$3,203,793 · Scale 2, in force from 26 Feb 2026)