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$174,668
−HK$10,953/mo
▼ 0.25% · 3.875%
HK$180,101
−HK$5,520/mo
Today · 4.125%
HK$185,621
baseline
▲ 0.50% · 4.625%
HK$196,915
+HK$11,294/mo
Deposit HK$38.30M · loan HK$38.30M · min. income ≈ HK$371,242/mo (50% DSR)
Upfront cash ≈ HK$41.56M (deposit + AVD stamp duty HK$3,255,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,316
−HK$10,498/mo
▼ 0.25% · 3.875%
HK$199,527
−HK$5,287/mo
Today · 4.125%
HK$204,814
baseline
▲ 0.50% · 4.625%
HK$215,610
+HK$10,796/mo
Deposit HK$38.30M · loan HK$38.30M · min. income ≈ HK$409,628/mo (50% DSR)
Upfront cash ≈ HK$41.56M (deposit + AVD stamp duty HK$3,255,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,601
−HK$13,144/mo
▼ 0.25% · 3.875%
HK$216,121
−HK$6,624/mo
Today · 4.125%
HK$222,745
baseline
▲ 0.50% · 4.625%
HK$236,298
+HK$13,553/mo
Deposit HK$30.64M · loan HK$45.96M · min. income ≈ HK$445,490/mo (50% DSR)
Upfront cash ≈ HK$33.90M (deposit + AVD stamp duty HK$3,255,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,179
−HK$12,598/mo
▼ 0.25% · 3.875%
HK$239,433
−HK$6,344/mo
Today · 4.125%
HK$245,777
baseline
▲ 0.50% · 4.625%
HK$258,732
+HK$12,955/mo
Deposit HK$30.64M · loan HK$45.96M · min. income ≈ HK$491,554/mo (50% DSR)
Upfront cash ≈ HK$33.90M (deposit + AVD stamp duty HK$3,255,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,535
−HK$15,334/mo
▼ 0.25% · 3.875%
HK$252,141
−HK$7,728/mo
Today · 4.125%
HK$259,869
baseline
▲ 0.50% · 4.625%
HK$275,681
+HK$15,812/mo
Deposit HK$22.98M · loan HK$53.62M · min. income ≈ HK$519,738/mo (50% DSR)
Upfront cash ≈ HK$26.24M (deposit + AVD stamp duty HK$3,255,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,042
−HK$14,698/mo
▼ 0.25% · 3.875%
HK$279,338
−HK$7,402/mo
Today · 4.125%
HK$286,740
baseline
▲ 0.50% · 4.625%
HK$301,854
+HK$15,114/mo
Deposit HK$22.98M · loan HK$53.62M · min. income ≈ HK$573,480/mo (50% DSR)
Upfront cash ≈ HK$26.24M (deposit + AVD stamp duty HK$3,255,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$314,402
−HK$19,715/mo
▼ 0.25% · 3.875%
HK$324,181
−HK$9,936/mo
Today · 4.125%
HK$334,117
baseline
▲ 0.50% · 4.625%
HK$354,448
+HK$20,331/mo
Deposit HK$7.66M · loan HK$68.94M · min. income ≈ HK$668,234/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$3,255,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$349,769
−HK$18,897/mo
▼ 0.25% · 3.875%
HK$359,149
−HK$9,517/mo
Today · 4.125%
HK$368,666
baseline
▲ 0.50% · 4.625%
HK$388,098
+HK$19,432/mo
Deposit HK$7.66M · loan HK$68.94M · min. income ≈ HK$737,332/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$3,255,499 · Scale 2, in force from 26 Feb 2026)