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$173,025
−HK$10,850/mo
▼ 0.25% · 3.875%
HK$178,407
−HK$5,468/mo
Today · 4.125%
HK$183,875
baseline
▲ 0.50% · 4.625%
HK$195,063
+HK$11,188/mo
Deposit HK$37.94M · loan HK$37.94M · min. income ≈ HK$367,750/mo (50% DSR)
Upfront cash ≈ HK$41.16M (deposit + AVD stamp duty HK$3,224,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,488
−HK$10,400/mo
▼ 0.25% · 3.875%
HK$197,651
−HK$5,237/mo
Today · 4.125%
HK$202,888
baseline
▲ 0.50% · 4.625%
HK$213,582
+HK$10,694/mo
Deposit HK$37.94M · loan HK$37.94M · min. income ≈ HK$405,776/mo (50% DSR)
Upfront cash ≈ HK$41.16M (deposit + AVD stamp duty HK$3,224,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,630
−HK$13,020/mo
▼ 0.25% · 3.875%
HK$214,088
−HK$6,562/mo
Today · 4.125%
HK$220,650
baseline
▲ 0.50% · 4.625%
HK$234,076
+HK$13,426/mo
Deposit HK$30.35M · loan HK$45.53M · min. income ≈ HK$441,300/mo (50% DSR)
Upfront cash ≈ HK$33.58M (deposit + AVD stamp duty HK$3,224,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,986
−HK$12,479/mo
▼ 0.25% · 3.875%
HK$237,181
−HK$6,284/mo
Today · 4.125%
HK$243,465
baseline
▲ 0.50% · 4.625%
HK$256,299
+HK$12,834/mo
Deposit HK$30.35M · loan HK$45.53M · min. income ≈ HK$486,930/mo (50% DSR)
Upfront cash ≈ HK$33.58M (deposit + AVD stamp duty HK$3,224,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,235
−HK$15,190/mo
▼ 0.25% · 3.875%
HK$249,769
−HK$7,656/mo
Today · 4.125%
HK$257,425
baseline
▲ 0.50% · 4.625%
HK$273,088
+HK$15,663/mo
Deposit HK$22.76M · loan HK$53.12M · min. income ≈ HK$514,850/mo (50% DSR)
Upfront cash ≈ HK$25.99M (deposit + AVD stamp duty HK$3,224,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,483
−HK$14,560/mo
▼ 0.25% · 3.875%
HK$276,711
−HK$7,332/mo
Today · 4.125%
HK$284,043
baseline
▲ 0.50% · 4.625%
HK$299,015
+HK$14,972/mo
Deposit HK$22.76M · loan HK$53.12M · min. income ≈ HK$568,086/mo (50% DSR)
Upfront cash ≈ HK$25.99M (deposit + AVD stamp duty HK$3,224,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,444
−HK$19,531/mo
▼ 0.25% · 3.875%
HK$321,132
−HK$9,843/mo
Today · 4.125%
HK$330,975
baseline
▲ 0.50% · 4.625%
HK$351,114
+HK$20,139/mo
Deposit HK$7.59M · loan HK$68.29M · min. income ≈ HK$661,950/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$3,224,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$346,479
−HK$18,719/mo
▼ 0.25% · 3.875%
HK$355,771
−HK$9,427/mo
Today · 4.125%
HK$365,198
baseline
▲ 0.50% · 4.625%
HK$384,448
+HK$19,250/mo
Deposit HK$7.59M · loan HK$68.29M · min. income ≈ HK$730,396/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$3,224,878 · Scale 2, in force from 26 Feb 2026)