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$166,532
−HK$10,444/mo
▼ 0.25% · 3.875%
HK$171,713
−HK$5,263/mo
Today · 4.125%
HK$176,976
baseline
▲ 0.50% · 4.625%
HK$187,744
+HK$10,768/mo
Deposit HK$36.52M · loan HK$36.52M · min. income ≈ HK$353,952/mo (50% DSR)
Upfront cash ≈ HK$39.62M (deposit + AVD stamp duty HK$3,103,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,266
−HK$10,009/mo
▼ 0.25% · 3.875%
HK$190,234
−HK$5,041/mo
Today · 4.125%
HK$195,275
baseline
▲ 0.50% · 4.625%
HK$205,568
+HK$10,293/mo
Deposit HK$36.52M · loan HK$36.52M · min. income ≈ HK$390,550/mo (50% DSR)
Upfront cash ≈ HK$39.62M (deposit + AVD stamp duty HK$3,103,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,839
−HK$12,532/mo
▼ 0.25% · 3.875%
HK$206,055
−HK$6,316/mo
Today · 4.125%
HK$212,371
baseline
▲ 0.50% · 4.625%
HK$225,293
+HK$12,922/mo
Deposit HK$29.21M · loan HK$43.82M · min. income ≈ HK$424,742/mo (50% DSR)
Upfront cash ≈ HK$32.32M (deposit + AVD stamp duty HK$3,103,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,319
−HK$12,011/mo
▼ 0.25% · 3.875%
HK$228,281
−HK$6,049/mo
Today · 4.125%
HK$234,330
baseline
▲ 0.50% · 4.625%
HK$246,682
+HK$12,352/mo
Deposit HK$29.21M · loan HK$43.82M · min. income ≈ HK$468,660/mo (50% DSR)
Upfront cash ≈ HK$32.32M (deposit + AVD stamp duty HK$3,103,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,145
−HK$14,621/mo
▼ 0.25% · 3.875%
HK$240,398
−HK$7,368/mo
Today · 4.125%
HK$247,766
baseline
▲ 0.50% · 4.625%
HK$262,842
+HK$15,076/mo
Deposit HK$21.91M · loan HK$51.12M · min. income ≈ HK$495,532/mo (50% DSR)
Upfront cash ≈ HK$25.01M (deposit + AVD stamp duty HK$3,103,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,372
−HK$14,013/mo
▼ 0.25% · 3.875%
HK$266,328
−HK$7,057/mo
Today · 4.125%
HK$273,385
baseline
▲ 0.50% · 4.625%
HK$287,796
+HK$14,411/mo
Deposit HK$21.91M · loan HK$51.12M · min. income ≈ HK$546,770/mo (50% DSR)
Upfront cash ≈ HK$25.01M (deposit + AVD stamp duty HK$3,103,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,758
−HK$18,798/mo
▼ 0.25% · 3.875%
HK$309,083
−HK$9,473/mo
Today · 4.125%
HK$318,556
baseline
▲ 0.50% · 4.625%
HK$337,939
+HK$19,383/mo
Deposit HK$7.30M · loan HK$65.73M · min. income ≈ HK$637,112/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$3,103,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$333,478
−HK$18,017/mo
▼ 0.25% · 3.875%
HK$342,422
−HK$9,073/mo
Today · 4.125%
HK$351,495
baseline
▲ 0.50% · 4.625%
HK$370,023
+HK$18,528/mo
Deposit HK$7.30M · loan HK$65.73M · min. income ≈ HK$702,990/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$3,103,875 · Scale 2, in force from 26 Feb 2026)