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$172,604
−HK$10,823/mo
▼ 0.25% · 3.875%
HK$177,973
−HK$5,454/mo
Today · 4.125%
HK$183,427
baseline
▲ 0.50% · 4.625%
HK$194,589
+HK$11,162/mo
Deposit HK$37.85M · loan HK$37.85M · min. income ≈ HK$366,854/mo (50% DSR)
Upfront cash ≈ HK$41.06M (deposit + AVD stamp duty HK$3,217,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,020
−HK$10,374/mo
▼ 0.25% · 3.875%
HK$197,170
−HK$5,224/mo
Today · 4.125%
HK$202,394
baseline
▲ 0.50% · 4.625%
HK$213,063
+HK$10,669/mo
Deposit HK$37.85M · loan HK$37.85M · min. income ≈ HK$404,788/mo (50% DSR)
Upfront cash ≈ HK$41.06M (deposit + AVD stamp duty HK$3,217,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,124
−HK$12,989/mo
▼ 0.25% · 3.875%
HK$213,567
−HK$6,546/mo
Today · 4.125%
HK$220,113
baseline
▲ 0.50% · 4.625%
HK$233,506
+HK$13,393/mo
Deposit HK$30.28M · loan HK$45.42M · min. income ≈ HK$440,226/mo (50% DSR)
Upfront cash ≈ HK$33.49M (deposit + AVD stamp duty HK$3,217,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,424
−HK$12,449/mo
▼ 0.25% · 3.875%
HK$236,604
−HK$6,269/mo
Today · 4.125%
HK$242,873
baseline
▲ 0.50% · 4.625%
HK$255,675
+HK$12,802/mo
Deposit HK$30.28M · loan HK$45.42M · min. income ≈ HK$485,746/mo (50% DSR)
Upfront cash ≈ HK$33.49M (deposit + AVD stamp duty HK$3,217,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,645
−HK$15,153/mo
▼ 0.25% · 3.875%
HK$249,162
−HK$7,636/mo
Today · 4.125%
HK$256,798
baseline
▲ 0.50% · 4.625%
HK$272,424
+HK$15,626/mo
Deposit HK$22.71M · loan HK$52.99M · min. income ≈ HK$513,596/mo (50% DSR)
Upfront cash ≈ HK$25.93M (deposit + AVD stamp duty HK$3,217,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,828
−HK$14,524/mo
▼ 0.25% · 3.875%
HK$276,038
−HK$7,314/mo
Today · 4.125%
HK$283,352
baseline
▲ 0.50% · 4.625%
HK$298,288
+HK$14,936/mo
Deposit HK$22.71M · loan HK$52.99M · min. income ≈ HK$566,704/mo (50% DSR)
Upfront cash ≈ HK$25.93M (deposit + AVD stamp duty HK$3,217,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,687
−HK$19,482/mo
▼ 0.25% · 3.875%
HK$320,351
−HK$9,818/mo
Today · 4.125%
HK$330,169
baseline
▲ 0.50% · 4.625%
HK$350,259
+HK$20,090/mo
Deposit HK$7.57M · loan HK$68.13M · min. income ≈ HK$660,338/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$3,217,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$345,636
−HK$18,673/mo
▼ 0.25% · 3.875%
HK$354,905
−HK$9,404/mo
Today · 4.125%
HK$364,309
baseline
▲ 0.50% · 4.625%
HK$383,513
+HK$19,204/mo
Deposit HK$7.57M · loan HK$68.13M · min. income ≈ HK$728,618/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$3,217,031 · Scale 2, in force from 26 Feb 2026)