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$176,724
−HK$11,082/mo
▼ 0.25% · 3.875%
HK$182,221
−HK$5,585/mo
Today · 4.125%
HK$187,806
baseline
▲ 0.50% · 4.625%
HK$199,234
+HK$11,428/mo
Deposit HK$38.75M · loan HK$38.75M · min. income ≈ HK$375,612/mo (50% DSR)
Upfront cash ≈ HK$42.04M (deposit + AVD stamp duty HK$3,293,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,604
−HK$10,621/mo
▼ 0.25% · 3.875%
HK$201,876
−HK$5,349/mo
Today · 4.125%
HK$207,225
baseline
▲ 0.50% · 4.625%
HK$218,149
+HK$10,924/mo
Deposit HK$38.75M · loan HK$38.75M · min. income ≈ HK$414,450/mo (50% DSR)
Upfront cash ≈ HK$42.04M (deposit + AVD stamp duty HK$3,293,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,069
−HK$13,298/mo
▼ 0.25% · 3.875%
HK$218,665
−HK$6,702/mo
Today · 4.125%
HK$225,367
baseline
▲ 0.50% · 4.625%
HK$239,080
+HK$13,713/mo
Deposit HK$31.00M · loan HK$46.50M · min. income ≈ HK$450,734/mo (50% DSR)
Upfront cash ≈ HK$34.29M (deposit + AVD stamp duty HK$3,293,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,924
−HK$12,746/mo
▼ 0.25% · 3.875%
HK$242,252
−HK$6,418/mo
Today · 4.125%
HK$248,670
baseline
▲ 0.50% · 4.625%
HK$261,778
+HK$13,108/mo
Deposit HK$31.00M · loan HK$46.50M · min. income ≈ HK$497,340/mo (50% DSR)
Upfront cash ≈ HK$34.29M (deposit + AVD stamp duty HK$3,293,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,413
−HK$15,515/mo
▼ 0.25% · 3.875%
HK$255,109
−HK$7,819/mo
Today · 4.125%
HK$262,928
baseline
▲ 0.50% · 4.625%
HK$278,927
+HK$15,999/mo
Deposit HK$23.25M · loan HK$54.25M · min. income ≈ HK$525,856/mo (50% DSR)
Upfront cash ≈ HK$26.54M (deposit + AVD stamp duty HK$3,293,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,245
−HK$14,871/mo
▼ 0.25% · 3.875%
HK$282,627
−HK$7,489/mo
Today · 4.125%
HK$290,116
baseline
▲ 0.50% · 4.625%
HK$305,408
+HK$15,292/mo
Deposit HK$23.25M · loan HK$54.25M · min. income ≈ HK$580,232/mo (50% DSR)
Upfront cash ≈ HK$26.54M (deposit + AVD stamp duty HK$3,293,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,103
−HK$19,948/mo
▼ 0.25% · 3.875%
HK$327,998
−HK$10,053/mo
Today · 4.125%
HK$338,051
baseline
▲ 0.50% · 4.625%
HK$358,620
+HK$20,569/mo
Deposit HK$7.75M · loan HK$69.75M · min. income ≈ HK$676,102/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$3,293,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$353,886
−HK$19,120/mo
▼ 0.25% · 3.875%
HK$363,377
−HK$9,629/mo
Today · 4.125%
HK$373,006
baseline
▲ 0.50% · 4.625%
HK$392,667
+HK$19,661/mo
Deposit HK$7.75M · loan HK$69.75M · min. income ≈ HK$746,012/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$3,293,825 · Scale 2, in force from 26 Feb 2026)