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$169,539
−HK$10,632/mo
▼ 0.25% · 3.875%
HK$174,813
−HK$5,358/mo
Today · 4.125%
HK$180,171
baseline
▲ 0.50% · 4.625%
HK$191,134
+HK$10,963/mo
Deposit HK$37.18M · loan HK$37.18M · min. income ≈ HK$360,342/mo (50% DSR)
Upfront cash ≈ HK$40.34M (deposit + AVD stamp duty HK$3,159,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,611
−HK$10,190/mo
▼ 0.25% · 3.875%
HK$193,669
−HK$5,132/mo
Today · 4.125%
HK$198,801
baseline
▲ 0.50% · 4.625%
HK$209,280
+HK$10,479/mo
Deposit HK$37.18M · loan HK$37.18M · min. income ≈ HK$397,602/mo (50% DSR)
Upfront cash ≈ HK$40.34M (deposit + AVD stamp duty HK$3,159,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,447
−HK$12,758/mo
▼ 0.25% · 3.875%
HK$209,776
−HK$6,429/mo
Today · 4.125%
HK$216,205
baseline
▲ 0.50% · 4.625%
HK$229,361
+HK$13,156/mo
Deposit HK$29.74M · loan HK$44.61M · min. income ≈ HK$432,410/mo (50% DSR)
Upfront cash ≈ HK$32.90M (deposit + AVD stamp duty HK$3,159,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,333
−HK$12,228/mo
▼ 0.25% · 3.875%
HK$232,403
−HK$6,158/mo
Today · 4.125%
HK$238,561
baseline
▲ 0.50% · 4.625%
HK$251,136
+HK$12,575/mo
Deposit HK$29.74M · loan HK$44.61M · min. income ≈ HK$477,122/mo (50% DSR)
Upfront cash ≈ HK$32.90M (deposit + AVD stamp duty HK$3,159,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,355
−HK$14,884/mo
▼ 0.25% · 3.875%
HK$244,738
−HK$7,501/mo
Today · 4.125%
HK$252,239
baseline
▲ 0.50% · 4.625%
HK$267,588
+HK$15,349/mo
Deposit HK$22.31M · loan HK$52.05M · min. income ≈ HK$504,478/mo (50% DSR)
Upfront cash ≈ HK$25.47M (deposit + AVD stamp duty HK$3,159,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,055
−HK$14,266/mo
▼ 0.25% · 3.875%
HK$271,137
−HK$7,184/mo
Today · 4.125%
HK$278,321
baseline
▲ 0.50% · 4.625%
HK$292,992
+HK$14,671/mo
Deposit HK$22.31M · loan HK$52.05M · min. income ≈ HK$556,642/mo (50% DSR)
Upfront cash ≈ HK$25.47M (deposit + AVD stamp duty HK$3,159,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,171
−HK$19,137/mo
▼ 0.25% · 3.875%
HK$314,663
−HK$9,645/mo
Today · 4.125%
HK$324,308
baseline
▲ 0.50% · 4.625%
HK$344,041
+HK$19,733/mo
Deposit HK$7.44M · loan HK$66.92M · min. income ≈ HK$648,616/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$3,159,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$339,500
−HK$18,342/mo
▼ 0.25% · 3.875%
HK$348,605
−HK$9,237/mo
Today · 4.125%
HK$357,842
baseline
▲ 0.50% · 4.625%
HK$376,704
+HK$18,862/mo
Deposit HK$7.44M · loan HK$66.92M · min. income ≈ HK$715,684/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$3,159,919 · Scale 2, in force from 26 Feb 2026)