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$167,486
−HK$10,502/mo
▼ 0.25% · 3.875%
HK$172,695
−HK$5,293/mo
Today · 4.125%
HK$177,988
baseline
▲ 0.50% · 4.625%
HK$188,819
+HK$10,831/mo
Deposit HK$36.73M · loan HK$36.73M · min. income ≈ HK$355,976/mo (50% DSR)
Upfront cash ≈ HK$39.85M (deposit + AVD stamp duty HK$3,121,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,326
−HK$10,067/mo
▼ 0.25% · 3.875%
HK$191,323
−HK$5,070/mo
Today · 4.125%
HK$196,393
baseline
▲ 0.50% · 4.625%
HK$206,745
+HK$10,352/mo
Deposit HK$36.73M · loan HK$36.73M · min. income ≈ HK$392,786/mo (50% DSR)
Upfront cash ≈ HK$39.85M (deposit + AVD stamp duty HK$3,121,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,983
−HK$12,603/mo
▼ 0.25% · 3.875%
HK$207,234
−HK$6,352/mo
Today · 4.125%
HK$213,586
baseline
▲ 0.50% · 4.625%
HK$226,582
+HK$12,996/mo
Deposit HK$29.38M · loan HK$44.07M · min. income ≈ HK$427,172/mo (50% DSR)
Upfront cash ≈ HK$32.50M (deposit + AVD stamp duty HK$3,121,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,591
−HK$12,080/mo
▼ 0.25% · 3.875%
HK$229,588
−HK$6,083/mo
Today · 4.125%
HK$235,671
baseline
▲ 0.50% · 4.625%
HK$248,094
+HK$12,423/mo
Deposit HK$29.38M · loan HK$44.07M · min. income ≈ HK$471,342/mo (50% DSR)
Upfront cash ≈ HK$32.50M (deposit + AVD stamp duty HK$3,121,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,480
−HK$14,704/mo
▼ 0.25% · 3.875%
HK$241,774
−HK$7,410/mo
Today · 4.125%
HK$249,184
baseline
▲ 0.50% · 4.625%
HK$264,346
+HK$15,162/mo
Deposit HK$22.04M · loan HK$51.42M · min. income ≈ HK$498,368/mo (50% DSR)
Upfront cash ≈ HK$25.16M (deposit + AVD stamp duty HK$3,121,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,857
−HK$14,093/mo
▼ 0.25% · 3.875%
HK$267,853
−HK$7,097/mo
Today · 4.125%
HK$274,950
baseline
▲ 0.50% · 4.625%
HK$289,443
+HK$14,493/mo
Deposit HK$22.04M · loan HK$51.42M · min. income ≈ HK$549,900/mo (50% DSR)
Upfront cash ≈ HK$25.16M (deposit + AVD stamp duty HK$3,121,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,474
−HK$18,905/mo
▼ 0.25% · 3.875%
HK$310,852
−HK$9,527/mo
Today · 4.125%
HK$320,379
baseline
▲ 0.50% · 4.625%
HK$339,874
+HK$19,495/mo
Deposit HK$7.35M · loan HK$66.11M · min. income ≈ HK$640,758/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$3,121,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$335,387
−HK$18,120/mo
▼ 0.25% · 3.875%
HK$344,382
−HK$9,125/mo
Today · 4.125%
HK$353,507
baseline
▲ 0.50% · 4.625%
HK$372,141
+HK$18,634/mo
Deposit HK$7.35M · loan HK$66.11M · min. income ≈ HK$707,014/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$3,121,641 · Scale 2, in force from 26 Feb 2026)