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$170,115
−HK$10,668/mo
▼ 0.25% · 3.875%
HK$175,406
−HK$5,377/mo
Today · 4.125%
HK$180,783
baseline
▲ 0.50% · 4.625%
HK$191,783
+HK$11,000/mo
Deposit HK$37.30M · loan HK$37.30M · min. income ≈ HK$361,566/mo (50% DSR)
Upfront cash ≈ HK$40.47M (deposit + AVD stamp duty HK$3,170,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,251
−HK$10,225/mo
▼ 0.25% · 3.875%
HK$194,327
−HK$5,149/mo
Today · 4.125%
HK$199,476
baseline
▲ 0.50% · 4.625%
HK$209,990
+HK$10,514/mo
Deposit HK$37.30M · loan HK$37.30M · min. income ≈ HK$398,952/mo (50% DSR)
Upfront cash ≈ HK$40.47M (deposit + AVD stamp duty HK$3,170,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,138
−HK$12,801/mo
▼ 0.25% · 3.875%
HK$210,488
−HK$6,451/mo
Today · 4.125%
HK$216,939
baseline
▲ 0.50% · 4.625%
HK$230,139
+HK$13,200/mo
Deposit HK$29.84M · loan HK$44.76M · min. income ≈ HK$433,878/mo (50% DSR)
Upfront cash ≈ HK$33.01M (deposit + AVD stamp duty HK$3,170,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,101
−HK$12,270/mo
▼ 0.25% · 3.875%
HK$233,192
−HK$6,179/mo
Today · 4.125%
HK$239,371
baseline
▲ 0.50% · 4.625%
HK$251,988
+HK$12,617/mo
Deposit HK$29.84M · loan HK$44.76M · min. income ≈ HK$478,742/mo (50% DSR)
Upfront cash ≈ HK$33.01M (deposit + AVD stamp duty HK$3,170,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,161
−HK$14,935/mo
▼ 0.25% · 3.875%
HK$245,569
−HK$7,527/mo
Today · 4.125%
HK$253,096
baseline
▲ 0.50% · 4.625%
HK$268,496
+HK$15,400/mo
Deposit HK$22.38M · loan HK$52.22M · min. income ≈ HK$506,192/mo (50% DSR)
Upfront cash ≈ HK$25.55M (deposit + AVD stamp duty HK$3,170,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,951
−HK$14,315/mo
▼ 0.25% · 3.875%
HK$272,057
−HK$7,209/mo
Today · 4.125%
HK$279,266
baseline
▲ 0.50% · 4.625%
HK$293,986
+HK$14,720/mo
Deposit HK$22.38M · loan HK$52.22M · min. income ≈ HK$558,532/mo (50% DSR)
Upfront cash ≈ HK$25.55M (deposit + AVD stamp duty HK$3,170,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,207
−HK$19,202/mo
▼ 0.25% · 3.875%
HK$315,731
−HK$9,678/mo
Today · 4.125%
HK$325,409
baseline
▲ 0.50% · 4.625%
HK$345,209
+HK$19,800/mo
Deposit HK$7.46M · loan HK$67.14M · min. income ≈ HK$650,818/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$3,170,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$340,652
−HK$18,404/mo
▼ 0.25% · 3.875%
HK$349,788
−HK$9,268/mo
Today · 4.125%
HK$359,056
baseline
▲ 0.50% · 4.625%
HK$377,983
+HK$18,927/mo
Deposit HK$7.46M · loan HK$67.14M · min. income ≈ HK$718,112/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$3,170,644 · Scale 2, in force from 26 Feb 2026)