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$170,536
−HK$10,694/mo
▼ 0.25% · 3.875%
HK$175,841
−HK$5,389/mo
Today · 4.125%
HK$181,230
baseline
▲ 0.50% · 4.625%
HK$192,258
+HK$11,028/mo
Deposit HK$37.39M · loan HK$37.39M · min. income ≈ HK$362,460/mo (50% DSR)
Upfront cash ≈ HK$40.57M (deposit + AVD stamp duty HK$3,178,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,720
−HK$10,250/mo
▼ 0.25% · 3.875%
HK$194,808
−HK$5,162/mo
Today · 4.125%
HK$199,970
baseline
▲ 0.50% · 4.625%
HK$210,511
+HK$10,541/mo
Deposit HK$37.39M · loan HK$37.39M · min. income ≈ HK$399,940/mo (50% DSR)
Upfront cash ≈ HK$40.57M (deposit + AVD stamp duty HK$3,178,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,644
−HK$12,833/mo
▼ 0.25% · 3.875%
HK$211,009
−HK$6,468/mo
Today · 4.125%
HK$217,477
baseline
▲ 0.50% · 4.625%
HK$230,709
+HK$13,232/mo
Deposit HK$29.92M · loan HK$44.87M · min. income ≈ HK$434,954/mo (50% DSR)
Upfront cash ≈ HK$33.09M (deposit + AVD stamp duty HK$3,178,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,664
−HK$12,300/mo
▼ 0.25% · 3.875%
HK$233,770
−HK$6,194/mo
Today · 4.125%
HK$239,964
baseline
▲ 0.50% · 4.625%
HK$252,613
+HK$12,649/mo
Deposit HK$29.92M · loan HK$44.87M · min. income ≈ HK$479,928/mo (50% DSR)
Upfront cash ≈ HK$33.09M (deposit + AVD stamp duty HK$3,178,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,751
−HK$14,972/mo
▼ 0.25% · 3.875%
HK$246,177
−HK$7,546/mo
Today · 4.125%
HK$253,723
baseline
▲ 0.50% · 4.625%
HK$269,161
+HK$15,438/mo
Deposit HK$22.44M · loan HK$52.35M · min. income ≈ HK$507,446/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$3,178,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,608
−HK$14,350/mo
▼ 0.25% · 3.875%
HK$272,731
−HK$7,227/mo
Today · 4.125%
HK$279,958
baseline
▲ 0.50% · 4.625%
HK$294,715
+HK$14,757/mo
Deposit HK$22.44M · loan HK$52.35M · min. income ≈ HK$559,916/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$3,178,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,965
−HK$19,250/mo
▼ 0.25% · 3.875%
HK$316,514
−HK$9,701/mo
Today · 4.125%
HK$326,215
baseline
▲ 0.50% · 4.625%
HK$346,064
+HK$19,849/mo
Deposit HK$7.48M · loan HK$67.31M · min. income ≈ HK$652,430/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$3,178,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$341,496
−HK$18,450/mo
▼ 0.25% · 3.875%
HK$350,655
−HK$9,291/mo
Today · 4.125%
HK$359,946
baseline
▲ 0.50% · 4.625%
HK$378,919
+HK$18,973/mo
Deposit HK$7.48M · loan HK$67.31M · min. income ≈ HK$719,892/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$3,178,499 · Scale 2, in force from 26 Feb 2026)