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$166,999
−HK$10,473/mo
▼ 0.25% · 3.875%
HK$172,194
−HK$5,278/mo
Today · 4.125%
HK$177,472
baseline
▲ 0.50% · 4.625%
HK$188,270
+HK$10,798/mo
Deposit HK$36.62M · loan HK$36.62M · min. income ≈ HK$354,944/mo (50% DSR)
Upfront cash ≈ HK$39.73M (deposit + AVD stamp duty HK$3,112,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,785
−HK$10,037/mo
▼ 0.25% · 3.875%
HK$190,768
−HK$5,054/mo
Today · 4.125%
HK$195,822
baseline
▲ 0.50% · 4.625%
HK$206,144
+HK$10,322/mo
Deposit HK$36.62M · loan HK$36.62M · min. income ≈ HK$391,644/mo (50% DSR)
Upfront cash ≈ HK$39.73M (deposit + AVD stamp duty HK$3,112,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,399
−HK$12,567/mo
▼ 0.25% · 3.875%
HK$206,633
−HK$6,333/mo
Today · 4.125%
HK$212,966
baseline
▲ 0.50% · 4.625%
HK$225,924
+HK$12,958/mo
Deposit HK$29.29M · loan HK$43.94M · min. income ≈ HK$425,932/mo (50% DSR)
Upfront cash ≈ HK$32.41M (deposit + AVD stamp duty HK$3,112,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,942
−HK$12,045/mo
▼ 0.25% · 3.875%
HK$228,921
−HK$6,066/mo
Today · 4.125%
HK$234,987
baseline
▲ 0.50% · 4.625%
HK$247,373
+HK$12,386/mo
Deposit HK$29.29M · loan HK$43.94M · min. income ≈ HK$469,974/mo (50% DSR)
Upfront cash ≈ HK$32.41M (deposit + AVD stamp duty HK$3,112,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,799
−HK$14,661/mo
▼ 0.25% · 3.875%
HK$241,071
−HK$7,389/mo
Today · 4.125%
HK$248,460
baseline
▲ 0.50% · 4.625%
HK$263,578
+HK$15,118/mo
Deposit HK$21.97M · loan HK$51.27M · min. income ≈ HK$496,920/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$3,112,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,099
−HK$14,052/mo
▼ 0.25% · 3.875%
HK$267,075
−HK$7,076/mo
Today · 4.125%
HK$274,151
baseline
▲ 0.50% · 4.625%
HK$288,602
+HK$14,451/mo
Deposit HK$21.97M · loan HK$51.27M · min. income ≈ HK$548,302/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$3,112,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,599
−HK$18,850/mo
▼ 0.25% · 3.875%
HK$309,949
−HK$9,500/mo
Today · 4.125%
HK$319,449
baseline
▲ 0.50% · 4.625%
HK$338,886
+HK$19,437/mo
Deposit HK$7.32M · loan HK$65.91M · min. income ≈ HK$638,898/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$3,112,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$334,413
−HK$18,067/mo
▼ 0.25% · 3.875%
HK$343,382
−HK$9,098/mo
Today · 4.125%
HK$352,480
baseline
▲ 0.50% · 4.625%
HK$371,060
+HK$18,580/mo
Deposit HK$7.32M · loan HK$65.91M · min. income ≈ HK$704,960/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$3,112,575 · Scale 2, in force from 26 Feb 2026)