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$176,085
−HK$11,042/mo
▼ 0.25% · 3.875%
HK$181,562
−HK$5,565/mo
Today · 4.125%
HK$187,127
baseline
▲ 0.50% · 4.625%
HK$198,514
+HK$11,387/mo
Deposit HK$38.61M · loan HK$38.61M · min. income ≈ HK$374,254/mo (50% DSR)
Upfront cash ≈ HK$41.89M (deposit + AVD stamp duty HK$3,281,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,893
−HK$10,584/mo
▼ 0.25% · 3.875%
HK$201,147
−HK$5,330/mo
Today · 4.125%
HK$206,477
baseline
▲ 0.50% · 4.625%
HK$217,360
+HK$10,883/mo
Deposit HK$38.61M · loan HK$38.61M · min. income ≈ HK$412,954/mo (50% DSR)
Upfront cash ≈ HK$41.89M (deposit + AVD stamp duty HK$3,281,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,302
−HK$13,251/mo
▼ 0.25% · 3.875%
HK$217,875
−HK$6,678/mo
Today · 4.125%
HK$224,553
baseline
▲ 0.50% · 4.625%
HK$238,216
+HK$13,663/mo
Deposit HK$30.89M · loan HK$46.33M · min. income ≈ HK$449,106/mo (50% DSR)
Upfront cash ≈ HK$34.17M (deposit + AVD stamp duty HK$3,281,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,072
−HK$12,700/mo
▼ 0.25% · 3.875%
HK$241,376
−HK$6,396/mo
Today · 4.125%
HK$247,772
baseline
▲ 0.50% · 4.625%
HK$260,832
+HK$13,060/mo
Deposit HK$30.89M · loan HK$46.33M · min. income ≈ HK$495,544/mo (50% DSR)
Upfront cash ≈ HK$34.17M (deposit + AVD stamp duty HK$3,281,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,519
−HK$15,459/mo
▼ 0.25% · 3.875%
HK$254,187
−HK$7,791/mo
Today · 4.125%
HK$261,978
baseline
▲ 0.50% · 4.625%
HK$277,919
+HK$15,941/mo
Deposit HK$23.17M · loan HK$54.06M · min. income ≈ HK$523,956/mo (50% DSR)
Upfront cash ≈ HK$26.45M (deposit + AVD stamp duty HK$3,281,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,250
−HK$14,817/mo
▼ 0.25% · 3.875%
HK$281,606
−HK$7,461/mo
Today · 4.125%
HK$289,067
baseline
▲ 0.50% · 4.625%
HK$304,304
+HK$15,237/mo
Deposit HK$23.17M · loan HK$54.06M · min. income ≈ HK$578,134/mo (50% DSR)
Upfront cash ≈ HK$26.45M (deposit + AVD stamp duty HK$3,281,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,953
−HK$19,876/mo
▼ 0.25% · 3.875%
HK$326,812
−HK$10,017/mo
Today · 4.125%
HK$336,829
baseline
▲ 0.50% · 4.625%
HK$357,324
+HK$20,495/mo
Deposit HK$7.72M · loan HK$69.50M · min. income ≈ HK$673,658/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$3,281,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,607
−HK$19,051/mo
▼ 0.25% · 3.875%
HK$362,064
−HK$9,594/mo
Today · 4.125%
HK$371,658
baseline
▲ 0.50% · 4.625%
HK$391,248
+HK$19,590/mo
Deposit HK$7.72M · loan HK$69.50M · min. income ≈ HK$743,316/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$3,281,922 · Scale 2, in force from 26 Feb 2026)