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$168,203
−HK$10,548/mo
▼ 0.25% · 3.875%
HK$173,435
−HK$5,316/mo
Today · 4.125%
HK$178,751
baseline
▲ 0.50% · 4.625%
HK$189,627
+HK$10,876/mo
Deposit HK$36.88M · loan HK$36.88M · min. income ≈ HK$357,502/mo (50% DSR)
Upfront cash ≈ HK$40.02M (deposit + AVD stamp duty HK$3,135,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,124
−HK$10,110/mo
▼ 0.25% · 3.875%
HK$192,143
−HK$5,091/mo
Today · 4.125%
HK$197,234
baseline
▲ 0.50% · 4.625%
HK$207,630
+HK$10,396/mo
Deposit HK$36.88M · loan HK$36.88M · min. income ≈ HK$394,468/mo (50% DSR)
Upfront cash ≈ HK$40.02M (deposit + AVD stamp duty HK$3,135,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,844
−HK$12,657/mo
▼ 0.25% · 3.875%
HK$208,122
−HK$6,379/mo
Today · 4.125%
HK$214,501
baseline
▲ 0.50% · 4.625%
HK$227,553
+HK$13,052/mo
Deposit HK$29.51M · loan HK$44.26M · min. income ≈ HK$429,002/mo (50% DSR)
Upfront cash ≈ HK$32.64M (deposit + AVD stamp duty HK$3,135,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,549
−HK$12,132/mo
▼ 0.25% · 3.875%
HK$230,571
−HK$6,110/mo
Today · 4.125%
HK$236,681
baseline
▲ 0.50% · 4.625%
HK$249,156
+HK$12,475/mo
Deposit HK$29.51M · loan HK$44.26M · min. income ≈ HK$473,362/mo (50% DSR)
Upfront cash ≈ HK$32.64M (deposit + AVD stamp duty HK$3,135,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,484
−HK$14,767/mo
▼ 0.25% · 3.875%
HK$242,809
−HK$7,442/mo
Today · 4.125%
HK$250,251
baseline
▲ 0.50% · 4.625%
HK$265,478
+HK$15,227/mo
Deposit HK$22.13M · loan HK$51.64M · min. income ≈ HK$500,502/mo (50% DSR)
Upfront cash ≈ HK$25.26M (deposit + AVD stamp duty HK$3,135,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,974
−HK$14,153/mo
▼ 0.25% · 3.875%
HK$269,000
−HK$7,127/mo
Today · 4.125%
HK$276,127
baseline
▲ 0.50% · 4.625%
HK$290,682
+HK$14,555/mo
Deposit HK$22.13M · loan HK$51.64M · min. income ≈ HK$552,254/mo (50% DSR)
Upfront cash ≈ HK$25.26M (deposit + AVD stamp duty HK$3,135,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$302,765
−HK$18,986/mo
▼ 0.25% · 3.875%
HK$312,183
−HK$9,568/mo
Today · 4.125%
HK$321,751
baseline
▲ 0.50% · 4.625%
HK$341,329
+HK$19,578/mo
Deposit HK$7.38M · loan HK$66.39M · min. income ≈ HK$643,502/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$3,135,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$336,823
−HK$18,198/mo
▼ 0.25% · 3.875%
HK$345,857
−HK$9,164/mo
Today · 4.125%
HK$355,021
baseline
▲ 0.50% · 4.625%
HK$373,735
+HK$18,714/mo
Deposit HK$7.38M · loan HK$66.39M · min. income ≈ HK$710,042/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$3,135,011 · Scale 2, in force from 26 Feb 2026)