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$177,876
−HK$11,154/mo
▼ 0.25% · 3.875%
HK$183,409
−HK$5,621/mo
Today · 4.125%
HK$189,030
baseline
▲ 0.50% · 4.625%
HK$200,532
+HK$11,502/mo
Deposit HK$39.00M · loan HK$39.00M · min. income ≈ HK$378,060/mo (50% DSR)
Upfront cash ≈ HK$42.32M (deposit + AVD stamp duty HK$3,315,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,885
−HK$10,691/mo
▼ 0.25% · 3.875%
HK$203,192
−HK$5,384/mo
Today · 4.125%
HK$208,576
baseline
▲ 0.50% · 4.625%
HK$219,570
+HK$10,994/mo
Deposit HK$39.00M · loan HK$39.00M · min. income ≈ HK$417,152/mo (50% DSR)
Upfront cash ≈ HK$42.32M (deposit + AVD stamp duty HK$3,315,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,451
−HK$13,385/mo
▼ 0.25% · 3.875%
HK$220,090
−HK$6,746/mo
Today · 4.125%
HK$226,836
baseline
▲ 0.50% · 4.625%
HK$240,639
+HK$13,803/mo
Deposit HK$31.20M · loan HK$46.80M · min. income ≈ HK$453,672/mo (50% DSR)
Upfront cash ≈ HK$34.52M (deposit + AVD stamp duty HK$3,315,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,462
−HK$12,829/mo
▼ 0.25% · 3.875%
HK$243,830
−HK$6,461/mo
Today · 4.125%
HK$250,291
baseline
▲ 0.50% · 4.625%
HK$263,484
+HK$13,193/mo
Deposit HK$31.20M · loan HK$46.80M · min. income ≈ HK$500,582/mo (50% DSR)
Upfront cash ≈ HK$34.52M (deposit + AVD stamp duty HK$3,315,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,026
−HK$15,616/mo
▼ 0.25% · 3.875%
HK$256,772
−HK$7,870/mo
Today · 4.125%
HK$264,642
baseline
▲ 0.50% · 4.625%
HK$280,745
+HK$16,103/mo
Deposit HK$23.40M · loan HK$54.60M · min. income ≈ HK$529,284/mo (50% DSR)
Upfront cash ≈ HK$26.72M (deposit + AVD stamp duty HK$3,315,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,039
−HK$14,967/mo
▼ 0.25% · 3.875%
HK$284,469
−HK$7,537/mo
Today · 4.125%
HK$292,006
baseline
▲ 0.50% · 4.625%
HK$307,398
+HK$15,392/mo
Deposit HK$23.40M · loan HK$54.60M · min. income ≈ HK$584,012/mo (50% DSR)
Upfront cash ≈ HK$26.72M (deposit + AVD stamp duty HK$3,315,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$320,176
−HK$20,078/mo
▼ 0.25% · 3.875%
HK$330,136
−HK$10,118/mo
Today · 4.125%
HK$340,254
baseline
▲ 0.50% · 4.625%
HK$360,958
+HK$20,704/mo
Deposit HK$7.80M · loan HK$70.21M · min. income ≈ HK$680,508/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$3,315,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$356,193
−HK$19,244/mo
▼ 0.25% · 3.875%
HK$365,746
−HK$9,691/mo
Today · 4.125%
HK$375,437
baseline
▲ 0.50% · 4.625%
HK$395,227
+HK$19,790/mo
Deposit HK$7.80M · loan HK$70.21M · min. income ≈ HK$750,874/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$3,315,293 · Scale 2, in force from 26 Feb 2026)