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$171,399
−HK$10,748/mo
▼ 0.25% · 3.875%
HK$176,730
−HK$5,417/mo
Today · 4.125%
HK$182,147
baseline
▲ 0.50% · 4.625%
HK$193,230
+HK$11,083/mo
Deposit HK$37.58M · loan HK$37.58M · min. income ≈ HK$364,294/mo (50% DSR)
Upfront cash ≈ HK$40.78M (deposit + AVD stamp duty HK$3,194,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,679
−HK$10,302/mo
▼ 0.25% · 3.875%
HK$195,793
−HK$5,188/mo
Today · 4.125%
HK$200,981
baseline
▲ 0.50% · 4.625%
HK$211,575
+HK$10,594/mo
Deposit HK$37.58M · loan HK$37.58M · min. income ≈ HK$401,962/mo (50% DSR)
Upfront cash ≈ HK$40.78M (deposit + AVD stamp duty HK$3,194,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,678
−HK$12,898/mo
▼ 0.25% · 3.875%
HK$212,076
−HK$6,500/mo
Today · 4.125%
HK$218,576
baseline
▲ 0.50% · 4.625%
HK$231,876
+HK$13,300/mo
Deposit HK$30.07M · loan HK$45.10M · min. income ≈ HK$437,152/mo (50% DSR)
Upfront cash ≈ HK$33.26M (deposit + AVD stamp duty HK$3,194,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,815
−HK$12,362/mo
▼ 0.25% · 3.875%
HK$234,952
−HK$6,225/mo
Today · 4.125%
HK$241,177
baseline
▲ 0.50% · 4.625%
HK$253,890
+HK$12,713/mo
Deposit HK$30.07M · loan HK$45.10M · min. income ≈ HK$482,354/mo (50% DSR)
Upfront cash ≈ HK$33.26M (deposit + AVD stamp duty HK$3,194,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,958
−HK$15,048/mo
▼ 0.25% · 3.875%
HK$247,422
−HK$7,584/mo
Today · 4.125%
HK$255,006
baseline
▲ 0.50% · 4.625%
HK$270,522
+HK$15,516/mo
Deposit HK$22.55M · loan HK$52.62M · min. income ≈ HK$510,012/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$3,194,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,951
−HK$14,423/mo
▼ 0.25% · 3.875%
HK$274,111
−HK$7,263/mo
Today · 4.125%
HK$281,374
baseline
▲ 0.50% · 4.625%
HK$296,205
+HK$14,831/mo
Deposit HK$22.55M · loan HK$52.62M · min. income ≈ HK$562,748/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$3,194,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,518
−HK$19,346/mo
▼ 0.25% · 3.875%
HK$318,114
−HK$9,750/mo
Today · 4.125%
HK$327,864
baseline
▲ 0.50% · 4.625%
HK$347,814
+HK$19,950/mo
Deposit HK$7.52M · loan HK$67.65M · min. income ≈ HK$655,728/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$3,194,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$343,223
−HK$18,543/mo
▼ 0.25% · 3.875%
HK$352,428
−HK$9,338/mo
Today · 4.125%
HK$361,766
baseline
▲ 0.50% · 4.625%
HK$380,835
+HK$19,069/mo
Deposit HK$7.52M · loan HK$67.65M · min. income ≈ HK$723,532/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$3,194,573 · Scale 2, in force from 26 Feb 2026)