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$167,256
−HK$10,488/mo
▼ 0.25% · 3.875%
HK$172,459
−HK$5,285/mo
Today · 4.125%
HK$177,744
baseline
▲ 0.50% · 4.625%
HK$188,560
+HK$10,816/mo
Deposit HK$36.67M · loan HK$36.67M · min. income ≈ HK$355,488/mo (50% DSR)
Upfront cash ≈ HK$39.79M (deposit + AVD stamp duty HK$3,117,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,071
−HK$10,052/mo
▼ 0.25% · 3.875%
HK$191,061
−HK$5,062/mo
Today · 4.125%
HK$196,123
baseline
▲ 0.50% · 4.625%
HK$206,461
+HK$10,338/mo
Deposit HK$36.67M · loan HK$36.67M · min. income ≈ HK$392,246/mo (50% DSR)
Upfront cash ≈ HK$39.79M (deposit + AVD stamp duty HK$3,117,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,707
−HK$12,586/mo
▼ 0.25% · 3.875%
HK$206,950
−HK$6,343/mo
Today · 4.125%
HK$213,293
baseline
▲ 0.50% · 4.625%
HK$226,272
+HK$12,979/mo
Deposit HK$29.34M · loan HK$44.01M · min. income ≈ HK$426,586/mo (50% DSR)
Upfront cash ≈ HK$32.46M (deposit + AVD stamp duty HK$3,117,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,285
−HK$12,063/mo
▼ 0.25% · 3.875%
HK$229,273
−HK$6,075/mo
Today · 4.125%
HK$235,348
baseline
▲ 0.50% · 4.625%
HK$247,754
+HK$12,406/mo
Deposit HK$29.34M · loan HK$44.01M · min. income ≈ HK$470,696/mo (50% DSR)
Upfront cash ≈ HK$32.46M (deposit + AVD stamp duty HK$3,117,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,158
−HK$14,684/mo
▼ 0.25% · 3.875%
HK$241,442
−HK$7,400/mo
Today · 4.125%
HK$248,842
baseline
▲ 0.50% · 4.625%
HK$263,984
+HK$15,142/mo
Deposit HK$22.00M · loan HK$51.34M · min. income ≈ HK$497,684/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$3,117,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,499
−HK$14,074/mo
▼ 0.25% · 3.875%
HK$267,485
−HK$7,088/mo
Today · 4.125%
HK$274,573
baseline
▲ 0.50% · 4.625%
HK$289,046
+HK$14,473/mo
Deposit HK$22.00M · loan HK$51.34M · min. income ≈ HK$549,146/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$3,117,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,061
−HK$18,879/mo
▼ 0.25% · 3.875%
HK$310,425
−HK$9,515/mo
Today · 4.125%
HK$319,940
baseline
▲ 0.50% · 4.625%
HK$339,407
+HK$19,467/mo
Deposit HK$7.33M · loan HK$66.01M · min. income ≈ HK$639,880/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$3,117,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$334,927
−HK$18,095/mo
▼ 0.25% · 3.875%
HK$343,910
−HK$9,112/mo
Today · 4.125%
HK$353,022
baseline
▲ 0.50% · 4.625%
HK$371,630
+HK$18,608/mo
Deposit HK$7.33M · loan HK$66.01M · min. income ≈ HK$706,044/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$3,117,360 · Scale 2, in force from 26 Feb 2026)