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$169,701
−HK$10,642/mo
▼ 0.25% · 3.875%
HK$174,979
−HK$5,364/mo
Today · 4.125%
HK$180,343
baseline
▲ 0.50% · 4.625%
HK$191,316
+HK$10,973/mo
Deposit HK$37.21M · loan HK$37.21M · min. income ≈ HK$360,686/mo (50% DSR)
Upfront cash ≈ HK$40.37M (deposit + AVD stamp duty HK$3,162,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,790
−HK$10,200/mo
▼ 0.25% · 3.875%
HK$193,854
−HK$5,136/mo
Today · 4.125%
HK$198,990
baseline
▲ 0.50% · 4.625%
HK$209,479
+HK$10,489/mo
Deposit HK$37.21M · loan HK$37.21M · min. income ≈ HK$397,980/mo (50% DSR)
Upfront cash ≈ HK$40.37M (deposit + AVD stamp duty HK$3,162,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,641
−HK$12,770/mo
▼ 0.25% · 3.875%
HK$209,975
−HK$6,436/mo
Today · 4.125%
HK$216,411
baseline
▲ 0.50% · 4.625%
HK$229,579
+HK$13,168/mo
Deposit HK$29.77M · loan HK$44.65M · min. income ≈ HK$432,822/mo (50% DSR)
Upfront cash ≈ HK$32.93M (deposit + AVD stamp duty HK$3,162,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,548
−HK$12,240/mo
▼ 0.25% · 3.875%
HK$232,624
−HK$6,164/mo
Today · 4.125%
HK$238,788
baseline
▲ 0.50% · 4.625%
HK$251,375
+HK$12,587/mo
Deposit HK$29.77M · loan HK$44.65M · min. income ≈ HK$477,576/mo (50% DSR)
Upfront cash ≈ HK$32.93M (deposit + AVD stamp duty HK$3,162,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,581
−HK$14,899/mo
▼ 0.25% · 3.875%
HK$244,971
−HK$7,509/mo
Today · 4.125%
HK$252,480
baseline
▲ 0.50% · 4.625%
HK$267,842
+HK$15,362/mo
Deposit HK$22.33M · loan HK$52.10M · min. income ≈ HK$504,960/mo (50% DSR)
Upfront cash ≈ HK$25.49M (deposit + AVD stamp duty HK$3,162,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,307
−HK$14,279/mo
▼ 0.25% · 3.875%
HK$271,395
−HK$7,191/mo
Today · 4.125%
HK$278,586
baseline
▲ 0.50% · 4.625%
HK$293,271
+HK$14,685/mo
Deposit HK$22.33M · loan HK$52.10M · min. income ≈ HK$557,172/mo (50% DSR)
Upfront cash ≈ HK$25.49M (deposit + AVD stamp duty HK$3,162,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,461
−HK$19,156/mo
▼ 0.25% · 3.875%
HK$314,963
−HK$9,654/mo
Today · 4.125%
HK$324,617
baseline
▲ 0.50% · 4.625%
HK$344,369
+HK$19,752/mo
Deposit HK$7.44M · loan HK$66.98M · min. income ≈ HK$649,234/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$3,162,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$339,823
−HK$18,359/mo
▼ 0.25% · 3.875%
HK$348,937
−HK$9,245/mo
Today · 4.125%
HK$358,182
baseline
▲ 0.50% · 4.625%
HK$377,063
+HK$18,881/mo
Deposit HK$7.44M · loan HK$66.98M · min. income ≈ HK$716,364/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$3,162,927 · Scale 2, in force from 26 Feb 2026)