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$174,276
−HK$10,929/mo
▼ 0.25% · 3.875%
HK$179,697
−HK$5,508/mo
Today · 4.125%
HK$185,205
baseline
▲ 0.50% · 4.625%
HK$196,474
+HK$11,269/mo
Deposit HK$38.21M · loan HK$38.21M · min. income ≈ HK$370,410/mo (50% DSR)
Upfront cash ≈ HK$41.46M (deposit + AVD stamp duty HK$3,248,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,880
−HK$10,475/mo
▼ 0.25% · 3.875%
HK$199,080
−HK$5,275/mo
Today · 4.125%
HK$204,355
baseline
▲ 0.50% · 4.625%
HK$215,127
+HK$10,772/mo
Deposit HK$38.21M · loan HK$38.21M · min. income ≈ HK$408,710/mo (50% DSR)
Upfront cash ≈ HK$41.46M (deposit + AVD stamp duty HK$3,248,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,131
−HK$13,115/mo
▼ 0.25% · 3.875%
HK$215,636
−HK$6,610/mo
Today · 4.125%
HK$222,246
baseline
▲ 0.50% · 4.625%
HK$235,769
+HK$13,523/mo
Deposit HK$30.57M · loan HK$45.86M · min. income ≈ HK$444,492/mo (50% DSR)
Upfront cash ≈ HK$33.82M (deposit + AVD stamp duty HK$3,248,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,656
−HK$12,570/mo
▼ 0.25% · 3.875%
HK$238,896
−HK$6,330/mo
Today · 4.125%
HK$245,226
baseline
▲ 0.50% · 4.625%
HK$258,152
+HK$12,926/mo
Deposit HK$30.57M · loan HK$45.86M · min. income ≈ HK$490,452/mo (50% DSR)
Upfront cash ≈ HK$33.82M (deposit + AVD stamp duty HK$3,248,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,987
−HK$15,300/mo
▼ 0.25% · 3.875%
HK$251,576
−HK$7,711/mo
Today · 4.125%
HK$259,287
baseline
▲ 0.50% · 4.625%
HK$275,064
+HK$15,777/mo
Deposit HK$22.93M · loan HK$53.50M · min. income ≈ HK$518,574/mo (50% DSR)
Upfront cash ≈ HK$26.18M (deposit + AVD stamp duty HK$3,248,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,433
−HK$14,664/mo
▼ 0.25% · 3.875%
HK$278,712
−HK$7,385/mo
Today · 4.125%
HK$286,097
baseline
▲ 0.50% · 4.625%
HK$301,178
+HK$15,081/mo
Deposit HK$22.93M · loan HK$53.50M · min. income ≈ HK$572,194/mo (50% DSR)
Upfront cash ≈ HK$26.18M (deposit + AVD stamp duty HK$3,248,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,697
−HK$19,672/mo
▼ 0.25% · 3.875%
HK$323,455
−HK$9,914/mo
Today · 4.125%
HK$333,369
baseline
▲ 0.50% · 4.625%
HK$353,653
+HK$20,284/mo
Deposit HK$7.64M · loan HK$68.79M · min. income ≈ HK$666,738/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$3,248,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$348,985
−HK$18,854/mo
▼ 0.25% · 3.875%
HK$358,344
−HK$9,495/mo
Today · 4.125%
HK$367,839
baseline
▲ 0.50% · 4.625%
HK$387,229
+HK$19,390/mo
Deposit HK$7.64M · loan HK$68.79M · min. income ≈ HK$735,678/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$3,248,203 · Scale 2, in force from 26 Feb 2026)