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$171,735
−HK$10,770/mo
▼ 0.25% · 3.875%
HK$177,077
−HK$5,428/mo
Today · 4.125%
HK$182,505
baseline
▲ 0.50% · 4.625%
HK$193,610
+HK$11,105/mo
Deposit HK$37.66M · loan HK$37.66M · min. income ≈ HK$365,010/mo (50% DSR)
Upfront cash ≈ HK$40.86M (deposit + AVD stamp duty HK$3,200,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,054
−HK$10,322/mo
▼ 0.25% · 3.875%
HK$196,178
−HK$5,198/mo
Today · 4.125%
HK$201,376
baseline
▲ 0.50% · 4.625%
HK$211,991
+HK$10,615/mo
Deposit HK$37.66M · loan HK$37.66M · min. income ≈ HK$402,752/mo (50% DSR)
Upfront cash ≈ HK$40.86M (deposit + AVD stamp duty HK$3,200,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,082
−HK$12,924/mo
▼ 0.25% · 3.875%
HK$212,493
−HK$6,513/mo
Today · 4.125%
HK$219,006
baseline
▲ 0.50% · 4.625%
HK$232,332
+HK$13,326/mo
Deposit HK$30.13M · loan HK$45.19M · min. income ≈ HK$438,012/mo (50% DSR)
Upfront cash ≈ HK$33.33M (deposit + AVD stamp duty HK$3,200,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,265
−HK$12,386/mo
▼ 0.25% · 3.875%
HK$235,413
−HK$6,238/mo
Today · 4.125%
HK$241,651
baseline
▲ 0.50% · 4.625%
HK$254,389
+HK$12,738/mo
Deposit HK$30.13M · loan HK$45.19M · min. income ≈ HK$483,302/mo (50% DSR)
Upfront cash ≈ HK$33.33M (deposit + AVD stamp duty HK$3,200,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,430
−HK$15,077/mo
▼ 0.25% · 3.875%
HK$247,908
−HK$7,599/mo
Today · 4.125%
HK$255,507
baseline
▲ 0.50% · 4.625%
HK$271,054
+HK$15,547/mo
Deposit HK$22.59M · loan HK$52.72M · min. income ≈ HK$511,014/mo (50% DSR)
Upfront cash ≈ HK$25.80M (deposit + AVD stamp duty HK$3,200,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,475
−HK$14,451/mo
▼ 0.25% · 3.875%
HK$274,649
−HK$7,277/mo
Today · 4.125%
HK$281,926
baseline
▲ 0.50% · 4.625%
HK$296,787
+HK$14,861/mo
Deposit HK$22.59M · loan HK$52.72M · min. income ≈ HK$563,852/mo (50% DSR)
Upfront cash ≈ HK$25.80M (deposit + AVD stamp duty HK$3,200,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,124
−HK$19,384/mo
▼ 0.25% · 3.875%
HK$318,739
−HK$9,769/mo
Today · 4.125%
HK$328,508
baseline
▲ 0.50% · 4.625%
HK$348,497
+HK$19,989/mo
Deposit HK$7.53M · loan HK$67.78M · min. income ≈ HK$657,016/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$3,200,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$343,897
−HK$18,580/mo
▼ 0.25% · 3.875%
HK$353,120
−HK$9,357/mo
Today · 4.125%
HK$362,477
baseline
▲ 0.50% · 4.625%
HK$381,583
+HK$19,106/mo
Deposit HK$7.53M · loan HK$67.78M · min. income ≈ HK$724,954/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$3,200,848 · Scale 2, in force from 26 Feb 2026)