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$166,195
−HK$10,421/mo
▼ 0.25% · 3.875%
HK$171,364
−HK$5,252/mo
Today · 4.125%
HK$176,616
baseline
▲ 0.50% · 4.625%
HK$187,363
+HK$10,747/mo
Deposit HK$36.44M · loan HK$36.44M · min. income ≈ HK$353,232/mo (50% DSR)
Upfront cash ≈ HK$39.54M (deposit + AVD stamp duty HK$3,097,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,890
−HK$9,989/mo
▼ 0.25% · 3.875%
HK$189,848
−HK$5,031/mo
Today · 4.125%
HK$194,879
baseline
▲ 0.50% · 4.625%
HK$205,151
+HK$10,272/mo
Deposit HK$36.44M · loan HK$36.44M · min. income ≈ HK$389,758/mo (50% DSR)
Upfront cash ≈ HK$39.54M (deposit + AVD stamp duty HK$3,097,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,433
−HK$12,507/mo
▼ 0.25% · 3.875%
HK$205,637
−HK$6,303/mo
Today · 4.125%
HK$211,940
baseline
▲ 0.50% · 4.625%
HK$224,836
+HK$12,896/mo
Deposit HK$29.15M · loan HK$43.73M · min. income ≈ HK$423,880/mo (50% DSR)
Upfront cash ≈ HK$32.25M (deposit + AVD stamp duty HK$3,097,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,868
−HK$11,986/mo
▼ 0.25% · 3.875%
HK$227,818
−HK$6,036/mo
Today · 4.125%
HK$233,854
baseline
▲ 0.50% · 4.625%
HK$246,181
+HK$12,327/mo
Deposit HK$29.15M · loan HK$43.73M · min. income ≈ HK$467,708/mo (50% DSR)
Upfront cash ≈ HK$32.25M (deposit + AVD stamp duty HK$3,097,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,672
−HK$14,591/mo
▼ 0.25% · 3.875%
HK$239,910
−HK$7,353/mo
Today · 4.125%
HK$247,263
baseline
▲ 0.50% · 4.625%
HK$262,308
+HK$15,045/mo
Deposit HK$21.87M · loan HK$51.02M · min. income ≈ HK$494,526/mo (50% DSR)
Upfront cash ≈ HK$24.96M (deposit + AVD stamp duty HK$3,097,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,846
−HK$13,984/mo
▼ 0.25% · 3.875%
HK$265,788
−HK$7,042/mo
Today · 4.125%
HK$272,830
baseline
▲ 0.50% · 4.625%
HK$287,212
+HK$14,382/mo
Deposit HK$21.87M · loan HK$51.02M · min. income ≈ HK$545,660/mo (50% DSR)
Upfront cash ≈ HK$24.96M (deposit + AVD stamp duty HK$3,097,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,150
−HK$18,759/mo
▼ 0.25% · 3.875%
HK$308,455
−HK$9,454/mo
Today · 4.125%
HK$317,909
baseline
▲ 0.50% · 4.625%
HK$337,254
+HK$19,345/mo
Deposit HK$7.29M · loan HK$65.60M · min. income ≈ HK$635,818/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$3,097,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$332,802
−HK$17,980/mo
▼ 0.25% · 3.875%
HK$341,727
−HK$9,055/mo
Today · 4.125%
HK$350,782
baseline
▲ 0.50% · 4.625%
HK$369,272
+HK$18,490/mo
Deposit HK$7.29M · loan HK$65.60M · min. income ≈ HK$701,564/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$3,097,576 · Scale 2, in force from 26 Feb 2026)