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$173,776
−HK$10,897/mo
▼ 0.25% · 3.875%
HK$179,181
−HK$5,492/mo
Today · 4.125%
HK$184,673
baseline
▲ 0.50% · 4.625%
HK$195,910
+HK$11,237/mo
Deposit HK$38.10M · loan HK$38.10M · min. income ≈ HK$369,346/mo (50% DSR)
Upfront cash ≈ HK$41.34M (deposit + AVD stamp duty HK$3,238,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,324
−HK$10,445/mo
▼ 0.25% · 3.875%
HK$198,509
−HK$5,260/mo
Today · 4.125%
HK$203,769
baseline
▲ 0.50% · 4.625%
HK$214,509
+HK$10,740/mo
Deposit HK$38.10M · loan HK$38.10M · min. income ≈ HK$407,538/mo (50% DSR)
Upfront cash ≈ HK$41.34M (deposit + AVD stamp duty HK$3,238,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,531
−HK$13,077/mo
▼ 0.25% · 3.875%
HK$215,017
−HK$6,591/mo
Today · 4.125%
HK$221,608
baseline
▲ 0.50% · 4.625%
HK$235,092
+HK$13,484/mo
Deposit HK$30.48M · loan HK$45.73M · min. income ≈ HK$443,216/mo (50% DSR)
Upfront cash ≈ HK$33.72M (deposit + AVD stamp duty HK$3,238,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,989
−HK$12,533/mo
▼ 0.25% · 3.875%
HK$238,210
−HK$6,312/mo
Today · 4.125%
HK$244,522
baseline
▲ 0.50% · 4.625%
HK$257,411
+HK$12,889/mo
Deposit HK$30.48M · loan HK$45.73M · min. income ≈ HK$489,044/mo (50% DSR)
Upfront cash ≈ HK$33.72M (deposit + AVD stamp duty HK$3,238,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,286
−HK$15,256/mo
▼ 0.25% · 3.875%
HK$250,854
−HK$7,688/mo
Today · 4.125%
HK$258,542
baseline
▲ 0.50% · 4.625%
HK$274,274
+HK$15,732/mo
Deposit HK$22.86M · loan HK$53.35M · min. income ≈ HK$517,084/mo (50% DSR)
Upfront cash ≈ HK$26.10M (deposit + AVD stamp duty HK$3,238,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,653
−HK$14,623/mo
▼ 0.25% · 3.875%
HK$277,912
−HK$7,364/mo
Today · 4.125%
HK$285,276
baseline
▲ 0.50% · 4.625%
HK$300,313
+HK$15,037/mo
Deposit HK$22.86M · loan HK$53.35M · min. income ≈ HK$570,552/mo (50% DSR)
Upfront cash ≈ HK$26.10M (deposit + AVD stamp duty HK$3,238,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,796
−HK$19,616/mo
▼ 0.25% · 3.875%
HK$322,526
−HK$9,886/mo
Today · 4.125%
HK$332,412
baseline
▲ 0.50% · 4.625%
HK$352,638
+HK$20,226/mo
Deposit HK$7.62M · loan HK$68.59M · min. income ≈ HK$664,824/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$3,238,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$347,983
−HK$18,800/mo
▼ 0.25% · 3.875%
HK$357,316
−HK$9,467/mo
Today · 4.125%
HK$366,783
baseline
▲ 0.50% · 4.625%
HK$386,117
+HK$19,334/mo
Deposit HK$7.62M · loan HK$68.59M · min. income ≈ HK$733,566/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$3,238,878 · Scale 2, in force from 26 Feb 2026)