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$177,740
−HK$11,146/mo
▼ 0.25% · 3.875%
HK$183,269
−HK$5,617/mo
Today · 4.125%
HK$188,886
baseline
▲ 0.50% · 4.625%
HK$200,379
+HK$11,493/mo
Deposit HK$38.97M · loan HK$38.97M · min. income ≈ HK$377,772/mo (50% DSR)
Upfront cash ≈ HK$42.29M (deposit + AVD stamp duty HK$3,312,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,734
−HK$10,683/mo
▼ 0.25% · 3.875%
HK$203,037
−HK$5,380/mo
Today · 4.125%
HK$208,417
baseline
▲ 0.50% · 4.625%
HK$219,403
+HK$10,986/mo
Deposit HK$38.97M · loan HK$38.97M · min. income ≈ HK$416,834/mo (50% DSR)
Upfront cash ≈ HK$42.29M (deposit + AVD stamp duty HK$3,312,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,288
−HK$13,375/mo
▼ 0.25% · 3.875%
HK$219,923
−HK$6,740/mo
Today · 4.125%
HK$226,663
baseline
▲ 0.50% · 4.625%
HK$240,455
+HK$13,792/mo
Deposit HK$31.18M · loan HK$46.77M · min. income ≈ HK$453,326/mo (50% DSR)
Upfront cash ≈ HK$34.49M (deposit + AVD stamp duty HK$3,312,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,281
−HK$12,820/mo
▼ 0.25% · 3.875%
HK$243,645
−HK$6,456/mo
Today · 4.125%
HK$250,101
baseline
▲ 0.50% · 4.625%
HK$263,284
+HK$13,183/mo
Deposit HK$31.18M · loan HK$46.77M · min. income ≈ HK$500,202/mo (50% DSR)
Upfront cash ≈ HK$34.49M (deposit + AVD stamp duty HK$3,312,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,836
−HK$15,605/mo
▼ 0.25% · 3.875%
HK$256,577
−HK$7,864/mo
Today · 4.125%
HK$264,441
baseline
▲ 0.50% · 4.625%
HK$280,531
+HK$16,090/mo
Deposit HK$23.38M · loan HK$54.56M · min. income ≈ HK$528,882/mo (50% DSR)
Upfront cash ≈ HK$26.70M (deposit + AVD stamp duty HK$3,312,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,828
−HK$14,956/mo
▼ 0.25% · 3.875%
HK$284,252
−HK$7,532/mo
Today · 4.125%
HK$291,784
baseline
▲ 0.50% · 4.625%
HK$307,164
+HK$15,380/mo
Deposit HK$23.38M · loan HK$54.56M · min. income ≈ HK$583,568/mo (50% DSR)
Upfront cash ≈ HK$26.70M (deposit + AVD stamp duty HK$3,312,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$319,932
−HK$20,063/mo
▼ 0.25% · 3.875%
HK$329,884
−HK$10,111/mo
Today · 4.125%
HK$339,995
baseline
▲ 0.50% · 4.625%
HK$360,683
+HK$20,688/mo
Deposit HK$7.79M · loan HK$70.15M · min. income ≈ HK$679,990/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$3,312,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$355,922
−HK$19,229/mo
▼ 0.25% · 3.875%
HK$365,467
−HK$9,684/mo
Today · 4.125%
HK$375,151
baseline
▲ 0.50% · 4.625%
HK$394,926
+HK$19,775/mo
Deposit HK$7.79M · loan HK$70.15M · min. income ≈ HK$750,302/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$3,312,768 · Scale 2, in force from 26 Feb 2026)