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$173,351
−HK$10,871/mo
▼ 0.25% · 3.875%
HK$178,743
−HK$5,479/mo
Today · 4.125%
HK$184,222
baseline
▲ 0.50% · 4.625%
HK$195,431
+HK$11,209/mo
Deposit HK$38.01M · loan HK$38.01M · min. income ≈ HK$368,444/mo (50% DSR)
Upfront cash ≈ HK$41.24M (deposit + AVD stamp duty HK$3,230,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,851
−HK$10,420/mo
▼ 0.25% · 3.875%
HK$198,024
−HK$5,247/mo
Today · 4.125%
HK$203,271
baseline
▲ 0.50% · 4.625%
HK$213,985
+HK$10,714/mo
Deposit HK$38.01M · loan HK$38.01M · min. income ≈ HK$406,542/mo (50% DSR)
Upfront cash ≈ HK$41.24M (deposit + AVD stamp duty HK$3,230,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,021
−HK$13,045/mo
▼ 0.25% · 3.875%
HK$214,492
−HK$6,574/mo
Today · 4.125%
HK$221,066
baseline
▲ 0.50% · 4.625%
HK$234,518
+HK$13,452/mo
Deposit HK$30.41M · loan HK$45.61M · min. income ≈ HK$442,132/mo (50% DSR)
Upfront cash ≈ HK$33.64M (deposit + AVD stamp duty HK$3,230,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,422
−HK$12,503/mo
▼ 0.25% · 3.875%
HK$237,628
−HK$6,297/mo
Today · 4.125%
HK$243,925
baseline
▲ 0.50% · 4.625%
HK$256,782
+HK$12,857/mo
Deposit HK$30.41M · loan HK$45.61M · min. income ≈ HK$487,850/mo (50% DSR)
Upfront cash ≈ HK$33.64M (deposit + AVD stamp duty HK$3,230,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,692
−HK$15,219/mo
▼ 0.25% · 3.875%
HK$250,241
−HK$7,670/mo
Today · 4.125%
HK$257,911
baseline
▲ 0.50% · 4.625%
HK$273,604
+HK$15,693/mo
Deposit HK$22.81M · loan HK$53.22M · min. income ≈ HK$515,822/mo (50% DSR)
Upfront cash ≈ HK$26.04M (deposit + AVD stamp duty HK$3,230,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,992
−HK$14,587/mo
▼ 0.25% · 3.875%
HK$277,233
−HK$7,346/mo
Today · 4.125%
HK$284,579
baseline
▲ 0.50% · 4.625%
HK$299,579
+HK$15,000/mo
Deposit HK$22.81M · loan HK$53.22M · min. income ≈ HK$569,158/mo (50% DSR)
Upfront cash ≈ HK$26.04M (deposit + AVD stamp duty HK$3,230,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,032
−HK$19,567/mo
▼ 0.25% · 3.875%
HK$321,738
−HK$9,861/mo
Today · 4.125%
HK$331,599
baseline
▲ 0.50% · 4.625%
HK$351,776
+HK$20,177/mo
Deposit HK$7.60M · loan HK$68.42M · min. income ≈ HK$663,198/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$3,230,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$347,133
−HK$18,754/mo
▼ 0.25% · 3.875%
HK$356,443
−HK$9,444/mo
Today · 4.125%
HK$365,887
baseline
▲ 0.50% · 4.625%
HK$385,174
+HK$19,287/mo
Deposit HK$7.60M · loan HK$68.42M · min. income ≈ HK$731,774/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$3,230,964 · Scale 2, in force from 26 Feb 2026)