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$171,724
−HK$10,768/mo
▼ 0.25% · 3.875%
HK$177,065
−HK$5,427/mo
Today · 4.125%
HK$182,492
baseline
▲ 0.50% · 4.625%
HK$193,597
+HK$11,105/mo
Deposit HK$37.65M · loan HK$37.65M · min. income ≈ HK$364,984/mo (50% DSR)
Upfront cash ≈ HK$40.86M (deposit + AVD stamp duty HK$3,200,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,041
−HK$10,321/mo
▼ 0.25% · 3.875%
HK$196,165
−HK$5,197/mo
Today · 4.125%
HK$201,362
baseline
▲ 0.50% · 4.625%
HK$211,976
+HK$10,614/mo
Deposit HK$37.65M · loan HK$37.65M · min. income ≈ HK$402,724/mo (50% DSR)
Upfront cash ≈ HK$40.86M (deposit + AVD stamp duty HK$3,200,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,069
−HK$12,922/mo
▼ 0.25% · 3.875%
HK$212,478
−HK$6,513/mo
Today · 4.125%
HK$218,991
baseline
▲ 0.50% · 4.625%
HK$232,316
+HK$13,325/mo
Deposit HK$30.12M · loan HK$45.19M · min. income ≈ HK$437,982/mo (50% DSR)
Upfront cash ≈ HK$33.32M (deposit + AVD stamp duty HK$3,200,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,249
−HK$12,386/mo
▼ 0.25% · 3.875%
HK$235,397
−HK$6,238/mo
Today · 4.125%
HK$241,635
baseline
▲ 0.50% · 4.625%
HK$254,372
+HK$12,737/mo
Deposit HK$30.12M · loan HK$45.19M · min. income ≈ HK$483,270/mo (50% DSR)
Upfront cash ≈ HK$33.32M (deposit + AVD stamp duty HK$3,200,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,413
−HK$15,076/mo
▼ 0.25% · 3.875%
HK$247,891
−HK$7,598/mo
Today · 4.125%
HK$255,489
baseline
▲ 0.50% · 4.625%
HK$271,035
+HK$15,546/mo
Deposit HK$22.59M · loan HK$52.72M · min. income ≈ HK$510,978/mo (50% DSR)
Upfront cash ≈ HK$25.79M (deposit + AVD stamp duty HK$3,200,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,457
−HK$14,450/mo
▼ 0.25% · 3.875%
HK$274,630
−HK$7,277/mo
Today · 4.125%
HK$281,907
baseline
▲ 0.50% · 4.625%
HK$296,767
+HK$14,860/mo
Deposit HK$22.59M · loan HK$52.72M · min. income ≈ HK$563,814/mo (50% DSR)
Upfront cash ≈ HK$25.79M (deposit + AVD stamp duty HK$3,200,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,103
−HK$19,383/mo
▼ 0.25% · 3.875%
HK$318,718
−HK$9,768/mo
Today · 4.125%
HK$328,486
baseline
▲ 0.50% · 4.625%
HK$348,474
+HK$19,988/mo
Deposit HK$7.53M · loan HK$67.78M · min. income ≈ HK$656,972/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$3,200,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$343,874
−HK$18,578/mo
▼ 0.25% · 3.875%
HK$353,096
−HK$9,356/mo
Today · 4.125%
HK$362,452
baseline
▲ 0.50% · 4.625%
HK$381,558
+HK$19,106/mo
Deposit HK$7.53M · loan HK$67.78M · min. income ≈ HK$724,904/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$3,200,632 · Scale 2, in force from 26 Feb 2026)