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$176,079
−HK$11,042/mo
▼ 0.25% · 3.875%
HK$181,556
−HK$5,565/mo
Today · 4.125%
HK$187,121
baseline
▲ 0.50% · 4.625%
HK$198,506
+HK$11,385/mo
Deposit HK$38.61M · loan HK$38.61M · min. income ≈ HK$374,242/mo (50% DSR)
Upfront cash ≈ HK$41.89M (deposit + AVD stamp duty HK$3,281,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,886
−HK$10,583/mo
▼ 0.25% · 3.875%
HK$201,140
−HK$5,329/mo
Today · 4.125%
HK$206,469
baseline
▲ 0.50% · 4.625%
HK$217,352
+HK$10,883/mo
Deposit HK$38.61M · loan HK$38.61M · min. income ≈ HK$412,938/mo (50% DSR)
Upfront cash ≈ HK$41.89M (deposit + AVD stamp duty HK$3,281,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,295
−HK$13,250/mo
▼ 0.25% · 3.875%
HK$217,867
−HK$6,678/mo
Today · 4.125%
HK$224,545
baseline
▲ 0.50% · 4.625%
HK$238,208
+HK$13,663/mo
Deposit HK$30.89M · loan HK$46.33M · min. income ≈ HK$449,090/mo (50% DSR)
Upfront cash ≈ HK$34.17M (deposit + AVD stamp duty HK$3,281,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,063
−HK$12,700/mo
▼ 0.25% · 3.875%
HK$241,367
−HK$6,396/mo
Today · 4.125%
HK$247,763
baseline
▲ 0.50% · 4.625%
HK$260,823
+HK$13,060/mo
Deposit HK$30.89M · loan HK$46.33M · min. income ≈ HK$495,526/mo (50% DSR)
Upfront cash ≈ HK$34.17M (deposit + AVD stamp duty HK$3,281,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,510
−HK$15,459/mo
▼ 0.25% · 3.875%
HK$254,178
−HK$7,791/mo
Today · 4.125%
HK$261,969
baseline
▲ 0.50% · 4.625%
HK$277,909
+HK$15,940/mo
Deposit HK$23.17M · loan HK$54.05M · min. income ≈ HK$523,938/mo (50% DSR)
Upfront cash ≈ HK$26.45M (deposit + AVD stamp duty HK$3,281,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,240
−HK$14,817/mo
▼ 0.25% · 3.875%
HK$281,595
−HK$7,462/mo
Today · 4.125%
HK$289,057
baseline
▲ 0.50% · 4.625%
HK$304,293
+HK$15,236/mo
Deposit HK$23.17M · loan HK$54.05M · min. income ≈ HK$578,114/mo (50% DSR)
Upfront cash ≈ HK$26.45M (deposit + AVD stamp duty HK$3,281,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,942
−HK$19,875/mo
▼ 0.25% · 3.875%
HK$326,801
−HK$10,016/mo
Today · 4.125%
HK$336,817
baseline
▲ 0.50% · 4.625%
HK$357,312
+HK$20,495/mo
Deposit HK$7.72M · loan HK$69.50M · min. income ≈ HK$673,634/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$3,281,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,595
−HK$19,049/mo
▼ 0.25% · 3.875%
HK$362,051
−HK$9,593/mo
Today · 4.125%
HK$371,644
baseline
▲ 0.50% · 4.625%
HK$391,234
+HK$19,590/mo
Deposit HK$7.72M · loan HK$69.50M · min. income ≈ HK$743,288/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$3,281,803 · Scale 2, in force from 26 Feb 2026)