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$170,978
−HK$10,722/mo
▼ 0.25% · 3.875%
HK$176,297
−HK$5,403/mo
Today · 4.125%
HK$181,700
baseline
▲ 0.50% · 4.625%
HK$192,756
+HK$11,056/mo
Deposit HK$37.49M · loan HK$37.49M · min. income ≈ HK$363,400/mo (50% DSR)
Upfront cash ≈ HK$40.68M (deposit + AVD stamp duty HK$3,186,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,212
−HK$10,276/mo
▼ 0.25% · 3.875%
HK$195,313
−HK$5,175/mo
Today · 4.125%
HK$200,488
baseline
▲ 0.50% · 4.625%
HK$211,056
+HK$10,568/mo
Deposit HK$37.49M · loan HK$37.49M · min. income ≈ HK$400,976/mo (50% DSR)
Upfront cash ≈ HK$40.68M (deposit + AVD stamp duty HK$3,186,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,174
−HK$12,866/mo
▼ 0.25% · 3.875%
HK$211,556
−HK$6,484/mo
Today · 4.125%
HK$218,040
baseline
▲ 0.50% · 4.625%
HK$231,308
+HK$13,268/mo
Deposit HK$29.99M · loan HK$44.99M · min. income ≈ HK$436,080/mo (50% DSR)
Upfront cash ≈ HK$33.18M (deposit + AVD stamp duty HK$3,186,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,254
−HK$12,332/mo
▼ 0.25% · 3.875%
HK$234,376
−HK$6,210/mo
Today · 4.125%
HK$240,586
baseline
▲ 0.50% · 4.625%
HK$253,268
+HK$12,682/mo
Deposit HK$29.99M · loan HK$44.99M · min. income ≈ HK$481,172/mo (50% DSR)
Upfront cash ≈ HK$33.18M (deposit + AVD stamp duty HK$3,186,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,370
−HK$15,010/mo
▼ 0.25% · 3.875%
HK$246,816
−HK$7,564/mo
Today · 4.125%
HK$254,380
baseline
▲ 0.50% · 4.625%
HK$269,859
+HK$15,479/mo
Deposit HK$22.49M · loan HK$52.49M · min. income ≈ HK$508,760/mo (50% DSR)
Upfront cash ≈ HK$25.68M (deposit + AVD stamp duty HK$3,186,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,296
−HK$14,388/mo
▼ 0.25% · 3.875%
HK$273,438
−HK$7,246/mo
Today · 4.125%
HK$280,684
baseline
▲ 0.50% · 4.625%
HK$295,479
+HK$14,795/mo
Deposit HK$22.49M · loan HK$52.49M · min. income ≈ HK$561,368/mo (50% DSR)
Upfront cash ≈ HK$25.68M (deposit + AVD stamp duty HK$3,186,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$307,761
−HK$19,300/mo
▼ 0.25% · 3.875%
HK$317,334
−HK$9,727/mo
Today · 4.125%
HK$327,061
baseline
▲ 0.50% · 4.625%
HK$346,961
+HK$19,900/mo
Deposit HK$7.50M · loan HK$67.48M · min. income ≈ HK$654,122/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$3,186,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$342,381
−HK$18,498/mo
▼ 0.25% · 3.875%
HK$351,564
−HK$9,315/mo
Today · 4.125%
HK$360,879
baseline
▲ 0.50% · 4.625%
HK$379,901
+HK$19,022/mo
Deposit HK$7.50M · loan HK$67.48M · min. income ≈ HK$721,758/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$3,186,740 · Scale 2, in force from 26 Feb 2026)