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$175,212
−HK$10,987/mo
▼ 0.25% · 3.875%
HK$180,662
−HK$5,537/mo
Today · 4.125%
HK$186,199
baseline
▲ 0.50% · 4.625%
HK$197,529
+HK$11,330/mo
Deposit HK$38.42M · loan HK$38.42M · min. income ≈ HK$372,398/mo (50% DSR)
Upfront cash ≈ HK$41.68M (deposit + AVD stamp duty HK$3,265,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,921
−HK$10,531/mo
▼ 0.25% · 3.875%
HK$200,149
−HK$5,303/mo
Today · 4.125%
HK$205,452
baseline
▲ 0.50% · 4.625%
HK$216,282
+HK$10,830/mo
Deposit HK$38.42M · loan HK$38.42M · min. income ≈ HK$410,904/mo (50% DSR)
Upfront cash ≈ HK$41.68M (deposit + AVD stamp duty HK$3,265,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,254
−HK$13,185/mo
▼ 0.25% · 3.875%
HK$216,794
−HK$6,645/mo
Today · 4.125%
HK$223,439
baseline
▲ 0.50% · 4.625%
HK$237,034
+HK$13,595/mo
Deposit HK$30.74M · loan HK$46.10M · min. income ≈ HK$446,878/mo (50% DSR)
Upfront cash ≈ HK$34.00M (deposit + AVD stamp duty HK$3,265,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,905
−HK$12,638/mo
▼ 0.25% · 3.875%
HK$240,179
−HK$6,364/mo
Today · 4.125%
HK$246,543
baseline
▲ 0.50% · 4.625%
HK$259,538
+HK$12,995/mo
Deposit HK$30.74M · loan HK$46.10M · min. income ≈ HK$493,086/mo (50% DSR)
Upfront cash ≈ HK$34.00M (deposit + AVD stamp duty HK$3,265,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,296
−HK$15,382/mo
▼ 0.25% · 3.875%
HK$252,926
−HK$7,752/mo
Today · 4.125%
HK$260,678
baseline
▲ 0.50% · 4.625%
HK$276,540
+HK$15,862/mo
Deposit HK$23.05M · loan HK$53.79M · min. income ≈ HK$521,356/mo (50% DSR)
Upfront cash ≈ HK$26.32M (deposit + AVD stamp duty HK$3,265,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,890
−HK$14,743/mo
▼ 0.25% · 3.875%
HK$280,208
−HK$7,425/mo
Today · 4.125%
HK$287,633
baseline
▲ 0.50% · 4.625%
HK$302,794
+HK$15,161/mo
Deposit HK$23.05M · loan HK$53.79M · min. income ≈ HK$575,266/mo (50% DSR)
Upfront cash ≈ HK$26.32M (deposit + AVD stamp duty HK$3,265,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$315,381
−HK$19,777/mo
▼ 0.25% · 3.875%
HK$325,191
−HK$9,967/mo
Today · 4.125%
HK$335,158
baseline
▲ 0.50% · 4.625%
HK$355,552
+HK$20,394/mo
Deposit HK$7.68M · loan HK$69.15M · min. income ≈ HK$670,316/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$3,265,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$350,858
−HK$18,956/mo
▼ 0.25% · 3.875%
HK$360,268
−HK$9,546/mo
Today · 4.125%
HK$369,814
baseline
▲ 0.50% · 4.625%
HK$389,307
+HK$19,493/mo
Deposit HK$7.68M · loan HK$69.15M · min. income ≈ HK$739,628/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$3,265,638 · Scale 2, in force from 26 Feb 2026)