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$170,358
−HK$10,683/mo
▼ 0.25% · 3.875%
HK$175,657
−HK$5,384/mo
Today · 4.125%
HK$181,041
baseline
▲ 0.50% · 4.625%
HK$192,057
+HK$11,016/mo
Deposit HK$37.36M · loan HK$37.36M · min. income ≈ HK$362,082/mo (50% DSR)
Upfront cash ≈ HK$40.53M (deposit + AVD stamp duty HK$3,175,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,522
−HK$10,239/mo
▼ 0.25% · 3.875%
HK$194,604
−HK$5,157/mo
Today · 4.125%
HK$199,761
baseline
▲ 0.50% · 4.625%
HK$210,291
+HK$10,530/mo
Deposit HK$37.36M · loan HK$37.36M · min. income ≈ HK$399,522/mo (50% DSR)
Upfront cash ≈ HK$40.53M (deposit + AVD stamp duty HK$3,175,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,430
−HK$12,819/mo
▼ 0.25% · 3.875%
HK$210,789
−HK$6,460/mo
Today · 4.125%
HK$217,249
baseline
▲ 0.50% · 4.625%
HK$230,468
+HK$13,219/mo
Deposit HK$29.88M · loan HK$44.83M · min. income ≈ HK$434,498/mo (50% DSR)
Upfront cash ≈ HK$33.06M (deposit + AVD stamp duty HK$3,175,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,426
−HK$12,287/mo
▼ 0.25% · 3.875%
HK$233,525
−HK$6,188/mo
Today · 4.125%
HK$239,713
baseline
▲ 0.50% · 4.625%
HK$252,349
+HK$12,636/mo
Deposit HK$29.88M · loan HK$44.83M · min. income ≈ HK$479,426/mo (50% DSR)
Upfront cash ≈ HK$33.06M (deposit + AVD stamp duty HK$3,175,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,501
−HK$14,956/mo
▼ 0.25% · 3.875%
HK$245,920
−HK$7,537/mo
Today · 4.125%
HK$253,457
baseline
▲ 0.50% · 4.625%
HK$268,880
+HK$15,423/mo
Deposit HK$22.41M · loan HK$52.30M · min. income ≈ HK$506,914/mo (50% DSR)
Upfront cash ≈ HK$25.59M (deposit + AVD stamp duty HK$3,175,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,330
−HK$14,335/mo
▼ 0.25% · 3.875%
HK$272,446
−HK$7,219/mo
Today · 4.125%
HK$279,665
baseline
▲ 0.50% · 4.625%
HK$294,407
+HK$14,742/mo
Deposit HK$22.41M · loan HK$52.30M · min. income ≈ HK$559,330/mo (50% DSR)
Upfront cash ≈ HK$25.59M (deposit + AVD stamp duty HK$3,175,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,644
−HK$19,230/mo
▼ 0.25% · 3.875%
HK$316,183
−HK$9,691/mo
Today · 4.125%
HK$325,874
baseline
▲ 0.50% · 4.625%
HK$345,702
+HK$19,828/mo
Deposit HK$7.47M · loan HK$67.24M · min. income ≈ HK$651,748/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$3,175,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$341,139
−HK$18,431/mo
▼ 0.25% · 3.875%
HK$350,288
−HK$9,282/mo
Today · 4.125%
HK$359,570
baseline
▲ 0.50% · 4.625%
HK$378,523
+HK$18,953/mo
Deposit HK$7.47M · loan HK$67.24M · min. income ≈ HK$719,140/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$3,175,176 · Scale 2, in force from 26 Feb 2026)