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$179,457
−HK$11,254/mo
▼ 0.25% · 3.875%
HK$185,039
−HK$5,672/mo
Today · 4.125%
HK$190,711
baseline
▲ 0.50% · 4.625%
HK$202,315
+HK$11,604/mo
Deposit HK$39.35M · loan HK$39.35M · min. income ≈ HK$381,422/mo (50% DSR)
Upfront cash ≈ HK$42.69M (deposit + AVD stamp duty HK$3,344,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,644
−HK$10,786/mo
▼ 0.25% · 3.875%
HK$204,999
−HK$5,431/mo
Today · 4.125%
HK$210,430
baseline
▲ 0.50% · 4.625%
HK$221,522
+HK$11,092/mo
Deposit HK$39.35M · loan HK$39.35M · min. income ≈ HK$420,860/mo (50% DSR)
Upfront cash ≈ HK$42.69M (deposit + AVD stamp duty HK$3,344,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,348
−HK$13,505/mo
▼ 0.25% · 3.875%
HK$222,047
−HK$6,806/mo
Today · 4.125%
HK$228,853
baseline
▲ 0.50% · 4.625%
HK$242,778
+HK$13,925/mo
Deposit HK$31.48M · loan HK$47.22M · min. income ≈ HK$457,706/mo (50% DSR)
Upfront cash ≈ HK$34.82M (deposit + AVD stamp duty HK$3,344,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,573
−HK$12,943/mo
▼ 0.25% · 3.875%
HK$245,998
−HK$6,518/mo
Today · 4.125%
HK$252,516
baseline
▲ 0.50% · 4.625%
HK$265,827
+HK$13,311/mo
Deposit HK$31.48M · loan HK$47.22M · min. income ≈ HK$505,032/mo (50% DSR)
Upfront cash ≈ HK$34.82M (deposit + AVD stamp duty HK$3,344,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,240
−HK$15,755/mo
▼ 0.25% · 3.875%
HK$259,055
−HK$7,940/mo
Today · 4.125%
HK$266,995
baseline
▲ 0.50% · 4.625%
HK$283,241
+HK$16,246/mo
Deposit HK$23.61M · loan HK$55.09M · min. income ≈ HK$533,990/mo (50% DSR)
Upfront cash ≈ HK$26.95M (deposit + AVD stamp duty HK$3,344,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,502
−HK$15,100/mo
▼ 0.25% · 3.875%
HK$286,998
−HK$7,604/mo
Today · 4.125%
HK$294,602
baseline
▲ 0.50% · 4.625%
HK$310,131
+HK$15,529/mo
Deposit HK$23.61M · loan HK$55.09M · min. income ≈ HK$589,204/mo (50% DSR)
Upfront cash ≈ HK$26.95M (deposit + AVD stamp duty HK$3,344,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,023
−HK$20,256/mo
▼ 0.25% · 3.875%
HK$333,071
−HK$10,208/mo
Today · 4.125%
HK$343,279
baseline
▲ 0.50% · 4.625%
HK$364,167
+HK$20,888/mo
Deposit HK$7.87M · loan HK$70.83M · min. income ≈ HK$686,558/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$3,344,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$359,359
−HK$19,416/mo
▼ 0.25% · 3.875%
HK$368,997
−HK$9,778/mo
Today · 4.125%
HK$378,775
baseline
▲ 0.50% · 4.625%
HK$398,740
+HK$19,965/mo
Deposit HK$7.87M · loan HK$70.83M · min. income ≈ HK$757,550/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$3,344,767 · Scale 2, in force from 26 Feb 2026)