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$168,431
−HK$10,562/mo
▼ 0.25% · 3.875%
HK$173,670
−HK$5,323/mo
Today · 4.125%
HK$178,993
baseline
▲ 0.50% · 4.625%
HK$189,885
+HK$10,892/mo
Deposit HK$36.93M · loan HK$36.93M · min. income ≈ HK$357,986/mo (50% DSR)
Upfront cash ≈ HK$40.07M (deposit + AVD stamp duty HK$3,139,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,378
−HK$10,124/mo
▼ 0.25% · 3.875%
HK$192,403
−HK$5,099/mo
Today · 4.125%
HK$197,502
baseline
▲ 0.50% · 4.625%
HK$207,912
+HK$10,410/mo
Deposit HK$36.93M · loan HK$36.93M · min. income ≈ HK$395,004/mo (50% DSR)
Upfront cash ≈ HK$40.07M (deposit + AVD stamp duty HK$3,139,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,118
−HK$12,674/mo
▼ 0.25% · 3.875%
HK$208,405
−HK$6,387/mo
Today · 4.125%
HK$214,792
baseline
▲ 0.50% · 4.625%
HK$227,862
+HK$13,070/mo
Deposit HK$29.55M · loan HK$44.32M · min. income ≈ HK$429,584/mo (50% DSR)
Upfront cash ≈ HK$32.69M (deposit + AVD stamp duty HK$3,139,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,854
−HK$12,148/mo
▼ 0.25% · 3.875%
HK$230,884
−HK$6,118/mo
Today · 4.125%
HK$237,002
baseline
▲ 0.50% · 4.625%
HK$249,495
+HK$12,493/mo
Deposit HK$29.55M · loan HK$44.32M · min. income ≈ HK$474,004/mo (50% DSR)
Upfront cash ≈ HK$32.69M (deposit + AVD stamp duty HK$3,139,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,804
−HK$14,787/mo
▼ 0.25% · 3.875%
HK$243,139
−HK$7,452/mo
Today · 4.125%
HK$250,591
baseline
▲ 0.50% · 4.625%
HK$265,839
+HK$15,248/mo
Deposit HK$22.16M · loan HK$51.71M · min. income ≈ HK$501,182/mo (50% DSR)
Upfront cash ≈ HK$25.30M (deposit + AVD stamp duty HK$3,139,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,329
−HK$14,173/mo
▼ 0.25% · 3.875%
HK$269,365
−HK$7,137/mo
Today · 4.125%
HK$276,502
baseline
▲ 0.50% · 4.625%
HK$291,077
+HK$14,575/mo
Deposit HK$22.16M · loan HK$51.71M · min. income ≈ HK$553,004/mo (50% DSR)
Upfront cash ≈ HK$25.30M (deposit + AVD stamp duty HK$3,139,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,176
−HK$19,012/mo
▼ 0.25% · 3.875%
HK$312,607
−HK$9,581/mo
Today · 4.125%
HK$322,188
baseline
▲ 0.50% · 4.625%
HK$341,793
+HK$19,605/mo
Deposit HK$7.39M · loan HK$66.48M · min. income ≈ HK$644,376/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$3,139,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$337,281
−HK$18,222/mo
▼ 0.25% · 3.875%
HK$346,326
−HK$9,177/mo
Today · 4.125%
HK$355,503
baseline
▲ 0.50% · 4.625%
HK$374,242
+HK$18,739/mo
Deposit HK$7.39M · loan HK$66.48M · min. income ≈ HK$711,006/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$3,139,265 · Scale 2, in force from 26 Feb 2026)