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$169,443
−HK$10,626/mo
▼ 0.25% · 3.875%
HK$174,714
−HK$5,355/mo
Today · 4.125%
HK$180,069
baseline
▲ 0.50% · 4.625%
HK$191,026
+HK$10,957/mo
Deposit HK$37.15M · loan HK$37.15M · min. income ≈ HK$360,138/mo (50% DSR)
Upfront cash ≈ HK$40.31M (deposit + AVD stamp duty HK$3,158,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,504
−HK$10,184/mo
▼ 0.25% · 3.875%
HK$193,559
−HK$5,129/mo
Today · 4.125%
HK$198,688
baseline
▲ 0.50% · 4.625%
HK$209,161
+HK$10,473/mo
Deposit HK$37.15M · loan HK$37.15M · min. income ≈ HK$397,376/mo (50% DSR)
Upfront cash ≈ HK$40.31M (deposit + AVD stamp duty HK$3,158,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,332
−HK$12,751/mo
▼ 0.25% · 3.875%
HK$209,657
−HK$6,426/mo
Today · 4.125%
HK$216,083
baseline
▲ 0.50% · 4.625%
HK$229,231
+HK$13,148/mo
Deposit HK$29.72M · loan HK$44.59M · min. income ≈ HK$432,166/mo (50% DSR)
Upfront cash ≈ HK$32.88M (deposit + AVD stamp duty HK$3,158,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,205
−HK$12,221/mo
▼ 0.25% · 3.875%
HK$232,271
−HK$6,155/mo
Today · 4.125%
HK$238,426
baseline
▲ 0.50% · 4.625%
HK$250,994
+HK$12,568/mo
Deposit HK$29.72M · loan HK$44.59M · min. income ≈ HK$476,852/mo (50% DSR)
Upfront cash ≈ HK$32.88M (deposit + AVD stamp duty HK$3,158,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,221
−HK$14,875/mo
▼ 0.25% · 3.875%
HK$244,599
−HK$7,497/mo
Today · 4.125%
HK$252,096
baseline
▲ 0.50% · 4.625%
HK$267,436
+HK$15,340/mo
Deposit HK$22.29M · loan HK$52.02M · min. income ≈ HK$504,192/mo (50% DSR)
Upfront cash ≈ HK$25.45M (deposit + AVD stamp duty HK$3,158,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,905
−HK$14,258/mo
▼ 0.25% · 3.875%
HK$270,983
−HK$7,180/mo
Today · 4.125%
HK$278,163
baseline
▲ 0.50% · 4.625%
HK$292,826
+HK$14,663/mo
Deposit HK$22.29M · loan HK$52.02M · min. income ≈ HK$556,326/mo (50% DSR)
Upfront cash ≈ HK$25.45M (deposit + AVD stamp duty HK$3,158,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,998
−HK$19,126/mo
▼ 0.25% · 3.875%
HK$314,485
−HK$9,639/mo
Today · 4.125%
HK$324,124
baseline
▲ 0.50% · 4.625%
HK$343,846
+HK$19,722/mo
Deposit HK$7.43M · loan HK$66.88M · min. income ≈ HK$648,248/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$3,158,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$339,307
−HK$18,332/mo
▼ 0.25% · 3.875%
HK$348,407
−HK$9,232/mo
Today · 4.125%
HK$357,639
baseline
▲ 0.50% · 4.625%
HK$376,490
+HK$18,851/mo
Deposit HK$7.43M · loan HK$66.88M · min. income ≈ HK$715,278/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$3,158,126 · Scale 2, in force from 26 Feb 2026)