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$166,274
−HK$10,427/mo
▼ 0.25% · 3.875%
HK$171,446
−HK$5,255/mo
Today · 4.125%
HK$176,701
baseline
▲ 0.50% · 4.625%
HK$187,453
+HK$10,752/mo
Deposit HK$36.46M · loan HK$36.46M · min. income ≈ HK$353,402/mo (50% DSR)
Upfront cash ≈ HK$39.56M (deposit + AVD stamp duty HK$3,099,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,979
−HK$9,993/mo
▼ 0.25% · 3.875%
HK$189,940
−HK$5,032/mo
Today · 4.125%
HK$194,972
baseline
▲ 0.50% · 4.625%
HK$205,250
+HK$10,278/mo
Deposit HK$36.46M · loan HK$36.46M · min. income ≈ HK$389,944/mo (50% DSR)
Upfront cash ≈ HK$39.56M (deposit + AVD stamp duty HK$3,099,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,529
−HK$12,513/mo
▼ 0.25% · 3.875%
HK$205,736
−HK$6,306/mo
Today · 4.125%
HK$212,042
baseline
▲ 0.50% · 4.625%
HK$224,944
+HK$12,902/mo
Deposit HK$29.17M · loan HK$43.75M · min. income ≈ HK$424,084/mo (50% DSR)
Upfront cash ≈ HK$32.27M (deposit + AVD stamp duty HK$3,099,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,974
−HK$11,993/mo
▼ 0.25% · 3.875%
HK$227,928
−HK$6,039/mo
Today · 4.125%
HK$233,967
baseline
▲ 0.50% · 4.625%
HK$246,300
+HK$12,333/mo
Deposit HK$29.17M · loan HK$43.75M · min. income ≈ HK$467,934/mo (50% DSR)
Upfront cash ≈ HK$32.27M (deposit + AVD stamp duty HK$3,099,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,784
−HK$14,598/mo
▼ 0.25% · 3.875%
HK$240,025
−HK$7,357/mo
Today · 4.125%
HK$247,382
baseline
▲ 0.50% · 4.625%
HK$262,434
+HK$15,052/mo
Deposit HK$21.88M · loan HK$51.04M · min. income ≈ HK$494,764/mo (50% DSR)
Upfront cash ≈ HK$24.97M (deposit + AVD stamp duty HK$3,099,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,970
−HK$13,991/mo
▼ 0.25% · 3.875%
HK$265,915
−HK$7,046/mo
Today · 4.125%
HK$272,961
baseline
▲ 0.50% · 4.625%
HK$287,350
+HK$14,389/mo
Deposit HK$21.88M · loan HK$51.04M · min. income ≈ HK$545,922/mo (50% DSR)
Upfront cash ≈ HK$24.97M (deposit + AVD stamp duty HK$3,099,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,294
−HK$18,768/mo
▼ 0.25% · 3.875%
HK$308,604
−HK$9,458/mo
Today · 4.125%
HK$318,062
baseline
▲ 0.50% · 4.625%
HK$337,416
+HK$19,354/mo
Deposit HK$7.29M · loan HK$65.63M · min. income ≈ HK$636,124/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$3,099,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$332,962
−HK$17,988/mo
▼ 0.25% · 3.875%
HK$341,891
−HK$9,059/mo
Today · 4.125%
HK$350,950
baseline
▲ 0.50% · 4.625%
HK$369,449
+HK$18,499/mo
Deposit HK$7.29M · loan HK$65.63M · min. income ≈ HK$701,900/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$3,099,065 · Scale 2, in force from 26 Feb 2026)