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$175,085
−HK$10,979/mo
▼ 0.25% · 3.875%
HK$180,531
−HK$5,533/mo
Today · 4.125%
HK$186,064
baseline
▲ 0.50% · 4.625%
HK$197,385
+HK$11,321/mo
Deposit HK$38.39M · loan HK$38.39M · min. income ≈ HK$372,128/mo (50% DSR)
Upfront cash ≈ HK$41.65M (deposit + AVD stamp duty HK$3,263,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,780
−HK$10,523/mo
▼ 0.25% · 3.875%
HK$200,004
−HK$5,299/mo
Today · 4.125%
HK$205,303
baseline
▲ 0.50% · 4.625%
HK$216,125
+HK$10,822/mo
Deposit HK$38.39M · loan HK$38.39M · min. income ≈ HK$410,606/mo (50% DSR)
Upfront cash ≈ HK$41.65M (deposit + AVD stamp duty HK$3,263,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,101
−HK$13,176/mo
▼ 0.25% · 3.875%
HK$216,637
−HK$6,640/mo
Today · 4.125%
HK$223,277
baseline
▲ 0.50% · 4.625%
HK$236,862
+HK$13,585/mo
Deposit HK$30.71M · loan HK$46.07M · min. income ≈ HK$446,554/mo (50% DSR)
Upfront cash ≈ HK$33.98M (deposit + AVD stamp duty HK$3,263,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,736
−HK$12,628/mo
▼ 0.25% · 3.875%
HK$240,004
−HK$6,360/mo
Today · 4.125%
HK$246,364
baseline
▲ 0.50% · 4.625%
HK$259,350
+HK$12,986/mo
Deposit HK$30.71M · loan HK$46.07M · min. income ≈ HK$492,728/mo (50% DSR)
Upfront cash ≈ HK$33.98M (deposit + AVD stamp duty HK$3,263,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,118
−HK$15,371/mo
▼ 0.25% · 3.875%
HK$252,743
−HK$7,746/mo
Today · 4.125%
HK$260,489
baseline
▲ 0.50% · 4.625%
HK$276,340
+HK$15,851/mo
Deposit HK$23.03M · loan HK$53.75M · min. income ≈ HK$520,978/mo (50% DSR)
Upfront cash ≈ HK$26.30M (deposit + AVD stamp duty HK$3,263,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,692
−HK$14,732/mo
▼ 0.25% · 3.875%
HK$280,005
−HK$7,419/mo
Today · 4.125%
HK$287,424
baseline
▲ 0.50% · 4.625%
HK$302,575
+HK$15,151/mo
Deposit HK$23.03M · loan HK$53.75M · min. income ≈ HK$574,848/mo (50% DSR)
Upfront cash ≈ HK$26.30M (deposit + AVD stamp duty HK$3,263,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$315,152
−HK$19,763/mo
▼ 0.25% · 3.875%
HK$324,955
−HK$9,960/mo
Today · 4.125%
HK$334,915
baseline
▲ 0.50% · 4.625%
HK$355,294
+HK$20,379/mo
Deposit HK$7.68M · loan HK$69.10M · min. income ≈ HK$669,830/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$3,263,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$350,604
−HK$18,942/mo
▼ 0.25% · 3.875%
HK$360,007
−HK$9,539/mo
Today · 4.125%
HK$369,546
baseline
▲ 0.50% · 4.625%
HK$389,025
+HK$19,479/mo
Deposit HK$7.68M · loan HK$69.10M · min. income ≈ HK$739,092/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$3,263,270 · Scale 2, in force from 26 Feb 2026)