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$173,822
−HK$10,900/mo
▼ 0.25% · 3.875%
HK$179,229
−HK$5,493/mo
Today · 4.125%
HK$184,722
baseline
▲ 0.50% · 4.625%
HK$195,962
+HK$11,240/mo
Deposit HK$38.11M · loan HK$38.11M · min. income ≈ HK$369,444/mo (50% DSR)
Upfront cash ≈ HK$41.35M (deposit + AVD stamp duty HK$3,239,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,375
−HK$10,448/mo
▼ 0.25% · 3.875%
HK$198,562
−HK$5,261/mo
Today · 4.125%
HK$203,823
baseline
▲ 0.50% · 4.625%
HK$214,567
+HK$10,744/mo
Deposit HK$38.11M · loan HK$38.11M · min. income ≈ HK$407,646/mo (50% DSR)
Upfront cash ≈ HK$41.35M (deposit + AVD stamp duty HK$3,239,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,587
−HK$13,080/mo
▼ 0.25% · 3.875%
HK$215,075
−HK$6,592/mo
Today · 4.125%
HK$221,667
baseline
▲ 0.50% · 4.625%
HK$235,155
+HK$13,488/mo
Deposit HK$30.49M · loan HK$45.74M · min. income ≈ HK$443,334/mo (50% DSR)
Upfront cash ≈ HK$33.73M (deposit + AVD stamp duty HK$3,239,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,051
−HK$12,537/mo
▼ 0.25% · 3.875%
HK$238,274
−HK$6,314/mo
Today · 4.125%
HK$244,588
baseline
▲ 0.50% · 4.625%
HK$257,480
+HK$12,892/mo
Deposit HK$30.49M · loan HK$45.74M · min. income ≈ HK$489,176/mo (50% DSR)
Upfront cash ≈ HK$33.73M (deposit + AVD stamp duty HK$3,239,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,351
−HK$15,260/mo
▼ 0.25% · 3.875%
HK$250,921
−HK$7,690/mo
Today · 4.125%
HK$258,611
baseline
▲ 0.50% · 4.625%
HK$274,347
+HK$15,736/mo
Deposit HK$22.87M · loan HK$53.36M · min. income ≈ HK$517,222/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$3,239,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,726
−HK$14,626/mo
▼ 0.25% · 3.875%
HK$277,986
−HK$7,366/mo
Today · 4.125%
HK$285,352
baseline
▲ 0.50% · 4.625%
HK$300,393
+HK$15,041/mo
Deposit HK$22.87M · loan HK$53.36M · min. income ≈ HK$570,704/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$3,239,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,880
−HK$19,620/mo
▼ 0.25% · 3.875%
HK$322,612
−HK$9,888/mo
Today · 4.125%
HK$332,500
baseline
▲ 0.50% · 4.625%
HK$352,732
+HK$20,232/mo
Deposit HK$7.62M · loan HK$68.61M · min. income ≈ HK$665,000/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$3,239,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$348,076
−HK$18,805/mo
▼ 0.25% · 3.875%
HK$357,411
−HK$9,470/mo
Today · 4.125%
HK$366,881
baseline
▲ 0.50% · 4.625%
HK$386,220
+HK$19,339/mo
Deposit HK$7.62M · loan HK$68.61M · min. income ≈ HK$733,762/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$3,239,743 · Scale 2, in force from 26 Feb 2026)