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$168,656
−HK$10,576/mo
▼ 0.25% · 3.875%
HK$173,902
−HK$5,330/mo
Today · 4.125%
HK$179,232
baseline
▲ 0.50% · 4.625%
HK$190,138
+HK$10,906/mo
Deposit HK$36.98M · loan HK$36.98M · min. income ≈ HK$358,464/mo (50% DSR)
Upfront cash ≈ HK$40.13M (deposit + AVD stamp duty HK$3,143,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,628
−HK$10,137/mo
▼ 0.25% · 3.875%
HK$192,660
−HK$5,105/mo
Today · 4.125%
HK$197,765
baseline
▲ 0.50% · 4.625%
HK$208,189
+HK$10,424/mo
Deposit HK$36.98M · loan HK$36.98M · min. income ≈ HK$395,530/mo (50% DSR)
Upfront cash ≈ HK$40.13M (deposit + AVD stamp duty HK$3,143,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,387
−HK$12,692/mo
▼ 0.25% · 3.875%
HK$208,682
−HK$6,397/mo
Today · 4.125%
HK$215,079
baseline
▲ 0.50% · 4.625%
HK$228,166
+HK$13,087/mo
Deposit HK$29.59M · loan HK$44.38M · min. income ≈ HK$430,158/mo (50% DSR)
Upfront cash ≈ HK$32.73M (deposit + AVD stamp duty HK$3,143,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,154
−HK$12,164/mo
▼ 0.25% · 3.875%
HK$231,192
−HK$6,126/mo
Today · 4.125%
HK$237,318
baseline
▲ 0.50% · 4.625%
HK$249,827
+HK$12,509/mo
Deposit HK$29.59M · loan HK$44.38M · min. income ≈ HK$474,636/mo (50% DSR)
Upfront cash ≈ HK$32.73M (deposit + AVD stamp duty HK$3,143,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,118
−HK$14,807/mo
▼ 0.25% · 3.875%
HK$243,463
−HK$7,462/mo
Today · 4.125%
HK$250,925
baseline
▲ 0.50% · 4.625%
HK$266,193
+HK$15,268/mo
Deposit HK$22.19M · loan HK$51.77M · min. income ≈ HK$501,850/mo (50% DSR)
Upfront cash ≈ HK$25.33M (deposit + AVD stamp duty HK$3,143,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,679
−HK$14,192/mo
▼ 0.25% · 3.875%
HK$269,724
−HK$7,147/mo
Today · 4.125%
HK$276,871
baseline
▲ 0.50% · 4.625%
HK$291,465
+HK$14,594/mo
Deposit HK$22.19M · loan HK$51.77M · min. income ≈ HK$553,742/mo (50% DSR)
Upfront cash ≈ HK$25.33M (deposit + AVD stamp duty HK$3,143,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,581
−HK$19,037/mo
▼ 0.25% · 3.875%
HK$313,024
−HK$9,594/mo
Today · 4.125%
HK$322,618
baseline
▲ 0.50% · 4.625%
HK$342,248
+HK$19,630/mo
Deposit HK$7.40M · loan HK$66.57M · min. income ≈ HK$645,236/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$3,143,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$337,730
−HK$18,247/mo
▼ 0.25% · 3.875%
HK$346,788
−HK$9,189/mo
Today · 4.125%
HK$355,977
baseline
▲ 0.50% · 4.625%
HK$374,741
+HK$18,764/mo
Deposit HK$7.40M · loan HK$66.57M · min. income ≈ HK$711,954/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$3,143,452 · Scale 2, in force from 26 Feb 2026)