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$175,495
−HK$11,006/mo
▼ 0.25% · 3.875%
HK$180,954
−HK$5,547/mo
Today · 4.125%
HK$186,501
baseline
▲ 0.50% · 4.625%
HK$197,849
+HK$11,348/mo
Deposit HK$38.48M · loan HK$38.48M · min. income ≈ HK$373,002/mo (50% DSR)
Upfront cash ≈ HK$41.75M (deposit + AVD stamp duty HK$3,270,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,237
−HK$10,548/mo
▼ 0.25% · 3.875%
HK$200,473
−HK$5,312/mo
Today · 4.125%
HK$205,785
baseline
▲ 0.50% · 4.625%
HK$216,632
+HK$10,847/mo
Deposit HK$38.48M · loan HK$38.48M · min. income ≈ HK$411,570/mo (50% DSR)
Upfront cash ≈ HK$41.75M (deposit + AVD stamp duty HK$3,270,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,595
−HK$13,206/mo
▼ 0.25% · 3.875%
HK$217,145
−HK$6,656/mo
Today · 4.125%
HK$223,801
baseline
▲ 0.50% · 4.625%
HK$237,418
+HK$13,617/mo
Deposit HK$30.79M · loan HK$46.18M · min. income ≈ HK$447,602/mo (50% DSR)
Upfront cash ≈ HK$34.06M (deposit + AVD stamp duty HK$3,270,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,284
−HK$12,658/mo
▼ 0.25% · 3.875%
HK$240,568
−HK$6,374/mo
Today · 4.125%
HK$246,942
baseline
▲ 0.50% · 4.625%
HK$259,959
+HK$13,017/mo
Deposit HK$30.79M · loan HK$46.18M · min. income ≈ HK$493,884/mo (50% DSR)
Upfront cash ≈ HK$34.06M (deposit + AVD stamp duty HK$3,270,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,694
−HK$15,407/mo
▼ 0.25% · 3.875%
HK$253,336
−HK$7,765/mo
Today · 4.125%
HK$261,101
baseline
▲ 0.50% · 4.625%
HK$276,988
+HK$15,887/mo
Deposit HK$23.09M · loan HK$53.87M · min. income ≈ HK$522,202/mo (50% DSR)
Upfront cash ≈ HK$26.36M (deposit + AVD stamp duty HK$3,270,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,332
−HK$14,767/mo
▼ 0.25% · 3.875%
HK$280,662
−HK$7,437/mo
Today · 4.125%
HK$288,099
baseline
▲ 0.50% · 4.625%
HK$303,285
+HK$15,186/mo
Deposit HK$23.09M · loan HK$53.87M · min. income ≈ HK$576,198/mo (50% DSR)
Upfront cash ≈ HK$26.36M (deposit + AVD stamp duty HK$3,270,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$315,892
−HK$19,809/mo
▼ 0.25% · 3.875%
HK$325,718
−HK$9,983/mo
Today · 4.125%
HK$335,701
baseline
▲ 0.50% · 4.625%
HK$356,128
+HK$20,427/mo
Deposit HK$7.70M · loan HK$69.27M · min. income ≈ HK$671,402/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$3,270,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$351,426
−HK$18,987/mo
▼ 0.25% · 3.875%
HK$360,852
−HK$9,561/mo
Today · 4.125%
HK$370,413
baseline
▲ 0.50% · 4.625%
HK$389,938
+HK$19,525/mo
Deposit HK$7.70M · loan HK$69.27M · min. income ≈ HK$740,826/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$3,270,929 · Scale 2, in force from 26 Feb 2026)