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$172,229
−HK$10,800/mo
▼ 0.25% · 3.875%
HK$177,586
−HK$5,443/mo
Today · 4.125%
HK$183,029
baseline
▲ 0.50% · 4.625%
HK$194,166
+HK$11,137/mo
Deposit HK$37.77M · loan HK$37.77M · min. income ≈ HK$366,058/mo (50% DSR)
Upfront cash ≈ HK$40.98M (deposit + AVD stamp duty HK$3,210,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,603
−HK$10,351/mo
▼ 0.25% · 3.875%
HK$196,741
−HK$5,213/mo
Today · 4.125%
HK$201,954
baseline
▲ 0.50% · 4.625%
HK$212,600
+HK$10,646/mo
Deposit HK$37.77M · loan HK$37.77M · min. income ≈ HK$403,908/mo (50% DSR)
Upfront cash ≈ HK$40.98M (deposit + AVD stamp duty HK$3,210,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,674
−HK$12,961/mo
▼ 0.25% · 3.875%
HK$213,103
−HK$6,532/mo
Today · 4.125%
HK$219,635
baseline
▲ 0.50% · 4.625%
HK$232,999
+HK$13,364/mo
Deposit HK$30.21M · loan HK$45.32M · min. income ≈ HK$439,270/mo (50% DSR)
Upfront cash ≈ HK$33.42M (deposit + AVD stamp duty HK$3,210,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,923
−HK$12,422/mo
▼ 0.25% · 3.875%
HK$236,089
−HK$6,256/mo
Today · 4.125%
HK$242,345
baseline
▲ 0.50% · 4.625%
HK$255,119
+HK$12,774/mo
Deposit HK$30.21M · loan HK$45.32M · min. income ≈ HK$484,690/mo (50% DSR)
Upfront cash ≈ HK$33.42M (deposit + AVD stamp duty HK$3,210,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,120
−HK$15,120/mo
▼ 0.25% · 3.875%
HK$248,620
−HK$7,620/mo
Today · 4.125%
HK$256,240
baseline
▲ 0.50% · 4.625%
HK$271,832
+HK$15,592/mo
Deposit HK$22.66M · loan HK$52.87M · min. income ≈ HK$512,480/mo (50% DSR)
Upfront cash ≈ HK$25.87M (deposit + AVD stamp duty HK$3,210,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,244
−HK$14,492/mo
▼ 0.25% · 3.875%
HK$275,438
−HK$7,298/mo
Today · 4.125%
HK$282,736
baseline
▲ 0.50% · 4.625%
HK$297,639
+HK$14,903/mo
Deposit HK$22.66M · loan HK$52.87M · min. income ≈ HK$565,472/mo (50% DSR)
Upfront cash ≈ HK$25.87M (deposit + AVD stamp duty HK$3,210,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,011
−HK$19,441/mo
▼ 0.25% · 3.875%
HK$319,654
−HK$9,798/mo
Today · 4.125%
HK$329,452
baseline
▲ 0.50% · 4.625%
HK$349,498
+HK$20,046/mo
Deposit HK$7.55M · loan HK$67.98M · min. income ≈ HK$658,904/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$3,210,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$344,885
−HK$18,633/mo
▼ 0.25% · 3.875%
HK$354,134
−HK$9,384/mo
Today · 4.125%
HK$363,518
baseline
▲ 0.50% · 4.625%
HK$382,679
+HK$19,161/mo
Deposit HK$7.55M · loan HK$67.98M · min. income ≈ HK$727,036/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$3,210,040 · Scale 2, in force from 26 Feb 2026)