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$174,347
−HK$10,933/mo
▼ 0.25% · 3.875%
HK$179,770
−HK$5,510/mo
Today · 4.125%
HK$185,280
baseline
▲ 0.50% · 4.625%
HK$196,554
+HK$11,274/mo
Deposit HK$38.23M · loan HK$38.23M · min. income ≈ HK$370,560/mo (50% DSR)
Upfront cash ≈ HK$41.48M (deposit + AVD stamp duty HK$3,249,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,959
−HK$10,479/mo
▼ 0.25% · 3.875%
HK$199,161
−HK$5,277/mo
Today · 4.125%
HK$204,438
baseline
▲ 0.50% · 4.625%
HK$215,214
+HK$10,776/mo
Deposit HK$38.23M · loan HK$38.23M · min. income ≈ HK$408,876/mo (50% DSR)
Upfront cash ≈ HK$41.48M (deposit + AVD stamp duty HK$3,249,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,216
−HK$13,120/mo
▼ 0.25% · 3.875%
HK$215,724
−HK$6,612/mo
Today · 4.125%
HK$222,336
baseline
▲ 0.50% · 4.625%
HK$235,864
+HK$13,528/mo
Deposit HK$30.58M · loan HK$45.88M · min. income ≈ HK$444,672/mo (50% DSR)
Upfront cash ≈ HK$33.83M (deposit + AVD stamp duty HK$3,249,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,751
−HK$12,574/mo
▼ 0.25% · 3.875%
HK$238,993
−HK$6,332/mo
Today · 4.125%
HK$245,325
baseline
▲ 0.50% · 4.625%
HK$258,257
+HK$12,932/mo
Deposit HK$30.58M · loan HK$45.88M · min. income ≈ HK$490,650/mo (50% DSR)
Upfront cash ≈ HK$33.83M (deposit + AVD stamp duty HK$3,249,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,085
−HK$15,307/mo
▼ 0.25% · 3.875%
HK$251,678
−HK$7,714/mo
Today · 4.125%
HK$259,392
baseline
▲ 0.50% · 4.625%
HK$275,175
+HK$15,783/mo
Deposit HK$22.94M · loan HK$53.52M · min. income ≈ HK$518,784/mo (50% DSR)
Upfront cash ≈ HK$26.19M (deposit + AVD stamp duty HK$3,249,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,542
−HK$14,671/mo
▼ 0.25% · 3.875%
HK$278,825
−HK$7,388/mo
Today · 4.125%
HK$286,213
baseline
▲ 0.50% · 4.625%
HK$301,300
+HK$15,087/mo
Deposit HK$22.94M · loan HK$53.52M · min. income ≈ HK$572,426/mo (50% DSR)
Upfront cash ≈ HK$26.19M (deposit + AVD stamp duty HK$3,249,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,824
−HK$19,679/mo
▼ 0.25% · 3.875%
HK$323,586
−HK$9,917/mo
Today · 4.125%
HK$333,503
baseline
▲ 0.50% · 4.625%
HK$353,796
+HK$20,293/mo
Deposit HK$7.65M · loan HK$68.81M · min. income ≈ HK$667,006/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$3,249,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$349,126
−HK$18,862/mo
▼ 0.25% · 3.875%
HK$358,489
−HK$9,499/mo
Today · 4.125%
HK$367,988
baseline
▲ 0.50% · 4.625%
HK$387,385
+HK$19,397/mo
Deposit HK$7.65M · loan HK$68.81M · min. income ≈ HK$735,976/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$3,249,517 · Scale 2, in force from 26 Feb 2026)