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$168,019
−HK$10,536/mo
▼ 0.25% · 3.875%
HK$173,245
−HK$5,310/mo
Today · 4.125%
HK$178,555
baseline
▲ 0.50% · 4.625%
HK$189,420
+HK$10,865/mo
Deposit HK$36.84M · loan HK$36.84M · min. income ≈ HK$357,110/mo (50% DSR)
Upfront cash ≈ HK$39.97M (deposit + AVD stamp duty HK$3,131,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,919
−HK$10,099/mo
▼ 0.25% · 3.875%
HK$191,933
−HK$5,085/mo
Today · 4.125%
HK$197,018
baseline
▲ 0.50% · 4.625%
HK$207,403
+HK$10,385/mo
Deposit HK$36.84M · loan HK$36.84M · min. income ≈ HK$394,036/mo (50% DSR)
Upfront cash ≈ HK$39.97M (deposit + AVD stamp duty HK$3,131,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,623
−HK$12,643/mo
▼ 0.25% · 3.875%
HK$207,894
−HK$6,372/mo
Today · 4.125%
HK$214,266
baseline
▲ 0.50% · 4.625%
HK$227,304
+HK$13,038/mo
Deposit HK$29.47M · loan HK$44.21M · min. income ≈ HK$428,532/mo (50% DSR)
Upfront cash ≈ HK$32.61M (deposit + AVD stamp duty HK$3,131,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,303
−HK$12,119/mo
▼ 0.25% · 3.875%
HK$230,319
−HK$6,103/mo
Today · 4.125%
HK$236,422
baseline
▲ 0.50% · 4.625%
HK$248,884
+HK$12,462/mo
Deposit HK$29.47M · loan HK$44.21M · min. income ≈ HK$472,844/mo (50% DSR)
Upfront cash ≈ HK$32.61M (deposit + AVD stamp duty HK$3,131,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,227
−HK$14,750/mo
▼ 0.25% · 3.875%
HK$242,543
−HK$7,434/mo
Today · 4.125%
HK$249,977
baseline
▲ 0.50% · 4.625%
HK$265,188
+HK$15,211/mo
Deposit HK$22.11M · loan HK$51.58M · min. income ≈ HK$499,954/mo (50% DSR)
Upfront cash ≈ HK$25.24M (deposit + AVD stamp duty HK$3,131,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,687
−HK$14,138/mo
▼ 0.25% · 3.875%
HK$268,706
−HK$7,119/mo
Today · 4.125%
HK$275,825
baseline
▲ 0.50% · 4.625%
HK$290,364
+HK$14,539/mo
Deposit HK$22.11M · loan HK$51.58M · min. income ≈ HK$551,650/mo (50% DSR)
Upfront cash ≈ HK$25.24M (deposit + AVD stamp duty HK$3,131,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$302,434
−HK$18,965/mo
▼ 0.25% · 3.875%
HK$311,842
−HK$9,557/mo
Today · 4.125%
HK$321,399
baseline
▲ 0.50% · 4.625%
HK$340,956
+HK$19,557/mo
Deposit HK$7.37M · loan HK$66.32M · min. income ≈ HK$642,798/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$3,131,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$336,455
−HK$18,178/mo
▼ 0.25% · 3.875%
HK$345,479
−HK$9,154/mo
Today · 4.125%
HK$354,633
baseline
▲ 0.50% · 4.625%
HK$373,326
+HK$18,693/mo
Deposit HK$7.37M · loan HK$66.32M · min. income ≈ HK$709,266/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$3,131,581 · Scale 2, in force from 26 Feb 2026)