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$176,220
−HK$11,050/mo
▼ 0.25% · 3.875%
HK$181,701
−HK$5,569/mo
Today · 4.125%
HK$187,270
baseline
▲ 0.50% · 4.625%
HK$198,665
+HK$11,395/mo
Deposit HK$38.64M · loan HK$38.64M · min. income ≈ HK$374,540/mo (50% DSR)
Upfront cash ≈ HK$41.92M (deposit + AVD stamp duty HK$3,284,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,043
−HK$10,591/mo
▼ 0.25% · 3.875%
HK$201,300
−HK$5,334/mo
Today · 4.125%
HK$206,634
baseline
▲ 0.50% · 4.625%
HK$217,526
+HK$10,892/mo
Deposit HK$38.64M · loan HK$38.64M · min. income ≈ HK$413,268/mo (50% DSR)
Upfront cash ≈ HK$41.92M (deposit + AVD stamp duty HK$3,284,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,464
−HK$13,260/mo
▼ 0.25% · 3.875%
HK$218,041
−HK$6,683/mo
Today · 4.125%
HK$224,724
baseline
▲ 0.50% · 4.625%
HK$238,398
+HK$13,674/mo
Deposit HK$30.91M · loan HK$46.37M · min. income ≈ HK$449,448/mo (50% DSR)
Upfront cash ≈ HK$34.20M (deposit + AVD stamp duty HK$3,284,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,251
−HK$12,710/mo
▼ 0.25% · 3.875%
HK$241,560
−HK$6,401/mo
Today · 4.125%
HK$247,961
baseline
▲ 0.50% · 4.625%
HK$261,031
+HK$13,070/mo
Deposit HK$30.91M · loan HK$46.37M · min. income ≈ HK$495,922/mo (50% DSR)
Upfront cash ≈ HK$34.20M (deposit + AVD stamp duty HK$3,284,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,707
−HK$15,471/mo
▼ 0.25% · 3.875%
HK$254,381
−HK$7,797/mo
Today · 4.125%
HK$262,178
baseline
▲ 0.50% · 4.625%
HK$278,131
+HK$15,953/mo
Deposit HK$23.18M · loan HK$54.10M · min. income ≈ HK$524,356/mo (50% DSR)
Upfront cash ≈ HK$26.47M (deposit + AVD stamp duty HK$3,284,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,460
−HK$14,828/mo
▼ 0.25% · 3.875%
HK$281,820
−HK$7,468/mo
Today · 4.125%
HK$289,288
baseline
▲ 0.50% · 4.625%
HK$304,537
+HK$15,249/mo
Deposit HK$23.18M · loan HK$54.10M · min. income ≈ HK$578,576/mo (50% DSR)
Upfront cash ≈ HK$26.47M (deposit + AVD stamp duty HK$3,284,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,195
−HK$19,891/mo
▼ 0.25% · 3.875%
HK$327,062
−HK$10,024/mo
Today · 4.125%
HK$337,086
baseline
▲ 0.50% · 4.625%
HK$357,597
+HK$20,511/mo
Deposit HK$7.73M · loan HK$69.55M · min. income ≈ HK$674,172/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$3,284,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,877
−HK$19,064/mo
▼ 0.25% · 3.875%
HK$362,341
−HK$9,600/mo
Today · 4.125%
HK$371,941
baseline
▲ 0.50% · 4.625%
HK$391,547
+HK$19,606/mo
Deposit HK$7.73M · loan HK$69.55M · min. income ≈ HK$743,882/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$3,284,426 · Scale 2, in force from 26 Feb 2026)