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$181,062
−HK$11,354/mo
▼ 0.25% · 3.875%
HK$186,694
−HK$5,722/mo
Today · 4.125%
HK$192,416
baseline
▲ 0.50% · 4.625%
HK$204,125
+HK$11,709/mo
Deposit HK$39.70M · loan HK$39.70M · min. income ≈ HK$384,832/mo (50% DSR)
Upfront cash ≈ HK$43.08M (deposit + AVD stamp duty HK$3,374,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,430
−HK$10,883/mo
▼ 0.25% · 3.875%
HK$206,832
−HK$5,481/mo
Today · 4.125%
HK$212,313
baseline
▲ 0.50% · 4.625%
HK$223,504
+HK$11,191/mo
Deposit HK$39.70M · loan HK$39.70M · min. income ≈ HK$424,626/mo (50% DSR)
Upfront cash ≈ HK$43.08M (deposit + AVD stamp duty HK$3,374,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,275
−HK$13,625/mo
▼ 0.25% · 3.875%
HK$224,033
−HK$6,867/mo
Today · 4.125%
HK$230,900
baseline
▲ 0.50% · 4.625%
HK$244,949
+HK$14,049/mo
Deposit HK$31.76M · loan HK$47.64M · min. income ≈ HK$461,800/mo (50% DSR)
Upfront cash ≈ HK$35.14M (deposit + AVD stamp duty HK$3,374,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,716
−HK$13,059/mo
▼ 0.25% · 3.875%
HK$248,199
−HK$6,576/mo
Today · 4.125%
HK$254,775
baseline
▲ 0.50% · 4.625%
HK$268,205
+HK$13,430/mo
Deposit HK$31.76M · loan HK$47.64M · min. income ≈ HK$509,550/mo (50% DSR)
Upfront cash ≈ HK$35.14M (deposit + AVD stamp duty HK$3,374,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,487
−HK$15,896/mo
▼ 0.25% · 3.875%
HK$261,372
−HK$8,011/mo
Today · 4.125%
HK$269,383
baseline
▲ 0.50% · 4.625%
HK$285,774
+HK$16,391/mo
Deposit HK$23.82M · loan HK$55.58M · min. income ≈ HK$538,766/mo (50% DSR)
Upfront cash ≈ HK$27.20M (deposit + AVD stamp duty HK$3,374,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,002
−HK$15,236/mo
▼ 0.25% · 3.875%
HK$289,565
−HK$7,673/mo
Today · 4.125%
HK$297,238
baseline
▲ 0.50% · 4.625%
HK$312,905
+HK$15,667/mo
Deposit HK$23.82M · loan HK$55.58M · min. income ≈ HK$594,476/mo (50% DSR)
Upfront cash ≈ HK$27.20M (deposit + AVD stamp duty HK$3,374,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$325,912
−HK$20,438/mo
▼ 0.25% · 3.875%
HK$336,050
−HK$10,300/mo
Today · 4.125%
HK$346,350
baseline
▲ 0.50% · 4.625%
HK$367,424
+HK$21,074/mo
Deposit HK$7.94M · loan HK$71.46M · min. income ≈ HK$692,700/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$3,374,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$362,574
−HK$19,589/mo
▼ 0.25% · 3.875%
HK$372,298
−HK$9,865/mo
Today · 4.125%
HK$382,163
baseline
▲ 0.50% · 4.625%
HK$402,307
+HK$20,144/mo
Deposit HK$7.94M · loan HK$71.46M · min. income ≈ HK$764,326/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$3,374,686 · Scale 2, in force from 26 Feb 2026)