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$173,160
−HK$10,859/mo
▼ 0.25% · 3.875%
HK$178,547
−HK$5,472/mo
Today · 4.125%
HK$184,019
baseline
▲ 0.50% · 4.625%
HK$195,216
+HK$11,197/mo
Deposit HK$37.97M · loan HK$37.97M · min. income ≈ HK$368,038/mo (50% DSR)
Upfront cash ≈ HK$41.20M (deposit + AVD stamp duty HK$3,227,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,639
−HK$10,408/mo
▼ 0.25% · 3.875%
HK$197,806
−HK$5,241/mo
Today · 4.125%
HK$203,047
baseline
▲ 0.50% · 4.625%
HK$213,750
+HK$10,703/mo
Deposit HK$37.97M · loan HK$37.97M · min. income ≈ HK$406,094/mo (50% DSR)
Upfront cash ≈ HK$41.20M (deposit + AVD stamp duty HK$3,227,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,792
−HK$13,031/mo
▼ 0.25% · 3.875%
HK$214,256
−HK$6,567/mo
Today · 4.125%
HK$220,823
baseline
▲ 0.50% · 4.625%
HK$234,259
+HK$13,436/mo
Deposit HK$30.38M · loan HK$45.56M · min. income ≈ HK$441,646/mo (50% DSR)
Upfront cash ≈ HK$33.60M (deposit + AVD stamp duty HK$3,227,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,167
−HK$12,489/mo
▼ 0.25% · 3.875%
HK$237,367
−HK$6,289/mo
Today · 4.125%
HK$243,656
baseline
▲ 0.50% · 4.625%
HK$256,500
+HK$12,844/mo
Deposit HK$30.38M · loan HK$45.56M · min. income ≈ HK$487,312/mo (50% DSR)
Upfront cash ≈ HK$33.60M (deposit + AVD stamp duty HK$3,227,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,424
−HK$15,202/mo
▼ 0.25% · 3.875%
HK$249,965
−HK$7,661/mo
Today · 4.125%
HK$257,626
baseline
▲ 0.50% · 4.625%
HK$273,302
+HK$15,676/mo
Deposit HK$22.78M · loan HK$53.16M · min. income ≈ HK$515,252/mo (50% DSR)
Upfront cash ≈ HK$26.01M (deposit + AVD stamp duty HK$3,227,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,695
−HK$14,570/mo
▼ 0.25% · 3.875%
HK$276,928
−HK$7,337/mo
Today · 4.125%
HK$284,265
baseline
▲ 0.50% · 4.625%
HK$299,249
+HK$14,984/mo
Deposit HK$22.78M · loan HK$53.16M · min. income ≈ HK$568,530/mo (50% DSR)
Upfront cash ≈ HK$26.01M (deposit + AVD stamp duty HK$3,227,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,688
−HK$19,546/mo
▼ 0.25% · 3.875%
HK$321,384
−HK$9,850/mo
Today · 4.125%
HK$331,234
baseline
▲ 0.50% · 4.625%
HK$351,389
+HK$20,155/mo
Deposit HK$7.59M · loan HK$68.35M · min. income ≈ HK$662,468/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$3,227,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$346,750
−HK$18,734/mo
▼ 0.25% · 3.875%
HK$356,050
−HK$9,434/mo
Today · 4.125%
HK$365,484
baseline
▲ 0.50% · 4.625%
HK$384,749
+HK$19,265/mo
Deposit HK$7.59M · loan HK$68.35M · min. income ≈ HK$730,968/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$3,227,405 · Scale 2, in force from 26 Feb 2026)