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$168,871
−HK$10,589/mo
▼ 0.25% · 3.875%
HK$174,123
−HK$5,337/mo
Today · 4.125%
HK$179,460
baseline
▲ 0.50% · 4.625%
HK$190,380
+HK$10,920/mo
Deposit HK$37.03M · loan HK$37.03M · min. income ≈ HK$358,920/mo (50% DSR)
Upfront cash ≈ HK$40.18M (deposit + AVD stamp duty HK$3,147,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,867
−HK$10,150/mo
▼ 0.25% · 3.875%
HK$192,905
−HK$5,112/mo
Today · 4.125%
HK$198,017
baseline
▲ 0.50% · 4.625%
HK$208,454
+HK$10,437/mo
Deposit HK$37.03M · loan HK$37.03M · min. income ≈ HK$396,034/mo (50% DSR)
Upfront cash ≈ HK$40.18M (deposit + AVD stamp duty HK$3,147,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,645
−HK$12,707/mo
▼ 0.25% · 3.875%
HK$208,948
−HK$6,404/mo
Today · 4.125%
HK$215,352
baseline
▲ 0.50% · 4.625%
HK$228,456
+HK$13,104/mo
Deposit HK$29.62M · loan HK$44.43M · min. income ≈ HK$430,704/mo (50% DSR)
Upfront cash ≈ HK$32.77M (deposit + AVD stamp duty HK$3,147,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,440
−HK$12,180/mo
▼ 0.25% · 3.875%
HK$231,486
−HK$6,134/mo
Today · 4.125%
HK$237,620
baseline
▲ 0.50% · 4.625%
HK$250,145
+HK$12,525/mo
Deposit HK$29.62M · loan HK$44.43M · min. income ≈ HK$475,240/mo (50% DSR)
Upfront cash ≈ HK$32.77M (deposit + AVD stamp duty HK$3,147,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,419
−HK$14,825/mo
▼ 0.25% · 3.875%
HK$243,773
−HK$7,471/mo
Today · 4.125%
HK$251,244
baseline
▲ 0.50% · 4.625%
HK$266,532
+HK$15,288/mo
Deposit HK$22.22M · loan HK$51.84M · min. income ≈ HK$502,488/mo (50% DSR)
Upfront cash ≈ HK$25.36M (deposit + AVD stamp duty HK$3,147,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,013
−HK$14,210/mo
▼ 0.25% · 3.875%
HK$270,067
−HK$7,156/mo
Today · 4.125%
HK$277,223
baseline
▲ 0.50% · 4.625%
HK$291,836
+HK$14,613/mo
Deposit HK$22.22M · loan HK$51.84M · min. income ≈ HK$554,446/mo (50% DSR)
Upfront cash ≈ HK$25.36M (deposit + AVD stamp duty HK$3,147,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,967
−HK$19,061/mo
▼ 0.25% · 3.875%
HK$313,422
−HK$9,606/mo
Today · 4.125%
HK$323,028
baseline
▲ 0.50% · 4.625%
HK$342,684
+HK$19,656/mo
Deposit HK$7.41M · loan HK$66.65M · min. income ≈ HK$646,056/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$3,147,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$338,160
−HK$18,270/mo
▼ 0.25% · 3.875%
HK$347,229
−HK$9,201/mo
Today · 4.125%
HK$356,430
baseline
▲ 0.50% · 4.625%
HK$375,218
+HK$18,788/mo
Deposit HK$7.41M · loan HK$66.65M · min. income ≈ HK$712,860/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$3,147,452 · Scale 2, in force from 26 Feb 2026)