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$166,452
−HK$10,438/mo
▼ 0.25% · 3.875%
HK$171,629
−HK$5,261/mo
Today · 4.125%
HK$176,890
baseline
▲ 0.50% · 4.625%
HK$187,653
+HK$10,763/mo
Deposit HK$36.50M · loan HK$36.50M · min. income ≈ HK$353,780/mo (50% DSR)
Upfront cash ≈ HK$39.60M (deposit + AVD stamp duty HK$3,102,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,176
−HK$10,004/mo
▼ 0.25% · 3.875%
HK$190,142
−HK$5,038/mo
Today · 4.125%
HK$195,180
baseline
▲ 0.50% · 4.625%
HK$205,468
+HK$10,288/mo
Deposit HK$36.50M · loan HK$36.50M · min. income ≈ HK$390,360/mo (50% DSR)
Upfront cash ≈ HK$39.60M (deposit + AVD stamp duty HK$3,102,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,742
−HK$12,526/mo
▼ 0.25% · 3.875%
HK$205,955
−HK$6,313/mo
Today · 4.125%
HK$212,268
baseline
▲ 0.50% · 4.625%
HK$225,183
+HK$12,915/mo
Deposit HK$29.20M · loan HK$43.80M · min. income ≈ HK$424,536/mo (50% DSR)
Upfront cash ≈ HK$32.30M (deposit + AVD stamp duty HK$3,102,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,211
−HK$12,005/mo
▼ 0.25% · 3.875%
HK$228,170
−HK$6,046/mo
Today · 4.125%
HK$234,216
baseline
▲ 0.50% · 4.625%
HK$246,562
+HK$12,346/mo
Deposit HK$29.20M · loan HK$43.80M · min. income ≈ HK$468,432/mo (50% DSR)
Upfront cash ≈ HK$32.30M (deposit + AVD stamp duty HK$3,102,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,032
−HK$14,613/mo
▼ 0.25% · 3.875%
HK$240,281
−HK$7,364/mo
Today · 4.125%
HK$247,645
baseline
▲ 0.50% · 4.625%
HK$262,714
+HK$15,069/mo
Deposit HK$21.90M · loan HK$51.10M · min. income ≈ HK$495,290/mo (50% DSR)
Upfront cash ≈ HK$25.00M (deposit + AVD stamp duty HK$3,102,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,246
−HK$14,006/mo
▼ 0.25% · 3.875%
HK$266,199
−HK$7,053/mo
Today · 4.125%
HK$273,252
baseline
▲ 0.50% · 4.625%
HK$287,656
+HK$14,404/mo
Deposit HK$21.90M · loan HK$51.10M · min. income ≈ HK$546,504/mo (50% DSR)
Upfront cash ≈ HK$25.00M (deposit + AVD stamp duty HK$3,102,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,613
−HK$18,788/mo
▼ 0.25% · 3.875%
HK$308,933
−HK$9,468/mo
Today · 4.125%
HK$318,401
baseline
▲ 0.50% · 4.625%
HK$337,775
+HK$19,374/mo
Deposit HK$7.30M · loan HK$65.70M · min. income ≈ HK$636,802/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$3,102,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$333,316
−HK$18,008/mo
▼ 0.25% · 3.875%
HK$342,256
−HK$9,068/mo
Today · 4.125%
HK$351,324
baseline
▲ 0.50% · 4.625%
HK$369,843
+HK$18,519/mo
Deposit HK$7.30M · loan HK$65.70M · min. income ≈ HK$702,648/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$3,102,368 · Scale 2, in force from 26 Feb 2026)