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$175,880
−HK$11,029/mo
▼ 0.25% · 3.875%
HK$181,351
−HK$5,558/mo
Today · 4.125%
HK$186,909
baseline
▲ 0.50% · 4.625%
HK$198,282
+HK$11,373/mo
Deposit HK$38.57M · loan HK$38.57M · min. income ≈ HK$373,818/mo (50% DSR)
Upfront cash ≈ HK$41.84M (deposit + AVD stamp duty HK$3,278,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,665
−HK$10,571/mo
▼ 0.25% · 3.875%
HK$200,913
−HK$5,323/mo
Today · 4.125%
HK$206,236
baseline
▲ 0.50% · 4.625%
HK$217,107
+HK$10,871/mo
Deposit HK$38.57M · loan HK$38.57M · min. income ≈ HK$412,472/mo (50% DSR)
Upfront cash ≈ HK$41.84M (deposit + AVD stamp duty HK$3,278,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,056
−HK$13,235/mo
▼ 0.25% · 3.875%
HK$217,621
−HK$6,670/mo
Today · 4.125%
HK$224,291
baseline
▲ 0.50% · 4.625%
HK$237,939
+HK$13,648/mo
Deposit HK$30.85M · loan HK$46.28M · min. income ≈ HK$448,582/mo (50% DSR)
Upfront cash ≈ HK$34.13M (deposit + AVD stamp duty HK$3,278,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,798
−HK$12,685/mo
▼ 0.25% · 3.875%
HK$241,095
−HK$6,388/mo
Today · 4.125%
HK$247,483
baseline
▲ 0.50% · 4.625%
HK$260,528
+HK$13,045/mo
Deposit HK$30.85M · loan HK$46.28M · min. income ≈ HK$494,966/mo (50% DSR)
Upfront cash ≈ HK$34.13M (deposit + AVD stamp duty HK$3,278,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,232
−HK$15,441/mo
▼ 0.25% · 3.875%
HK$253,891
−HK$7,782/mo
Today · 4.125%
HK$261,673
baseline
▲ 0.50% · 4.625%
HK$277,595
+HK$15,922/mo
Deposit HK$23.14M · loan HK$53.99M · min. income ≈ HK$523,346/mo (50% DSR)
Upfront cash ≈ HK$26.42M (deposit + AVD stamp duty HK$3,278,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,931
−HK$14,799/mo
▼ 0.25% · 3.875%
HK$281,278
−HK$7,452/mo
Today · 4.125%
HK$288,730
baseline
▲ 0.50% · 4.625%
HK$303,950
+HK$15,220/mo
Deposit HK$23.14M · loan HK$53.99M · min. income ≈ HK$577,460/mo (50% DSR)
Upfront cash ≈ HK$26.42M (deposit + AVD stamp duty HK$3,278,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,584
−HK$19,853/mo
▼ 0.25% · 3.875%
HK$326,432
−HK$10,005/mo
Today · 4.125%
HK$336,437
baseline
▲ 0.50% · 4.625%
HK$356,908
+HK$20,471/mo
Deposit HK$7.71M · loan HK$69.42M · min. income ≈ HK$672,874/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$3,278,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,197
−HK$19,028/mo
▼ 0.25% · 3.875%
HK$361,643
−HK$9,582/mo
Today · 4.125%
HK$371,225
baseline
▲ 0.50% · 4.625%
HK$390,793
+HK$19,568/mo
Deposit HK$7.71M · loan HK$69.42M · min. income ≈ HK$742,450/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$3,278,099 · Scale 2, in force from 26 Feb 2026)