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$170,313
−HK$10,680/mo
▼ 0.25% · 3.875%
HK$175,610
−HK$5,383/mo
Today · 4.125%
HK$180,993
baseline
▲ 0.50% · 4.625%
HK$192,006
+HK$11,013/mo
Deposit HK$37.35M · loan HK$37.35M · min. income ≈ HK$361,986/mo (50% DSR)
Upfront cash ≈ HK$40.52M (deposit + AVD stamp duty HK$3,174,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,471
−HK$10,237/mo
▼ 0.25% · 3.875%
HK$194,553
−HK$5,155/mo
Today · 4.125%
HK$199,708
baseline
▲ 0.50% · 4.625%
HK$210,235
+HK$10,527/mo
Deposit HK$37.35M · loan HK$37.35M · min. income ≈ HK$399,416/mo (50% DSR)
Upfront cash ≈ HK$40.52M (deposit + AVD stamp duty HK$3,174,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,375
−HK$12,816/mo
▼ 0.25% · 3.875%
HK$210,732
−HK$6,459/mo
Today · 4.125%
HK$217,191
baseline
▲ 0.50% · 4.625%
HK$230,407
+HK$13,216/mo
Deposit HK$29.88M · loan HK$44.81M · min. income ≈ HK$434,382/mo (50% DSR)
Upfront cash ≈ HK$33.05M (deposit + AVD stamp duty HK$3,174,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,365
−HK$12,284/mo
▼ 0.25% · 3.875%
HK$233,463
−HK$6,186/mo
Today · 4.125%
HK$239,649
baseline
▲ 0.50% · 4.625%
HK$252,281
+HK$12,632/mo
Deposit HK$29.88M · loan HK$44.81M · min. income ≈ HK$479,298/mo (50% DSR)
Upfront cash ≈ HK$33.05M (deposit + AVD stamp duty HK$3,174,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,438
−HK$14,952/mo
▼ 0.25% · 3.875%
HK$245,855
−HK$7,535/mo
Today · 4.125%
HK$253,390
baseline
▲ 0.50% · 4.625%
HK$268,808
+HK$15,418/mo
Deposit HK$22.41M · loan HK$52.28M · min. income ≈ HK$506,780/mo (50% DSR)
Upfront cash ≈ HK$25.58M (deposit + AVD stamp duty HK$3,174,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,260
−HK$14,331/mo
▼ 0.25% · 3.875%
HK$272,374
−HK$7,217/mo
Today · 4.125%
HK$279,591
baseline
▲ 0.50% · 4.625%
HK$294,328
+HK$14,737/mo
Deposit HK$22.41M · loan HK$52.28M · min. income ≈ HK$559,182/mo (50% DSR)
Upfront cash ≈ HK$25.58M (deposit + AVD stamp duty HK$3,174,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,563
−HK$19,224/mo
▼ 0.25% · 3.875%
HK$316,099
−HK$9,688/mo
Today · 4.125%
HK$325,787
baseline
▲ 0.50% · 4.625%
HK$345,610
+HK$19,823/mo
Deposit HK$7.47M · loan HK$67.22M · min. income ≈ HK$651,574/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$3,174,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$341,048
−HK$18,426/mo
▼ 0.25% · 3.875%
HK$350,195
−HK$9,279/mo
Today · 4.125%
HK$359,474
baseline
▲ 0.50% · 4.625%
HK$378,422
+HK$18,948/mo
Deposit HK$7.47M · loan HK$67.22M · min. income ≈ HK$718,948/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$3,174,331 · Scale 2, in force from 26 Feb 2026)