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$167,682
−HK$10,515/mo
▼ 0.25% · 3.875%
HK$172,898
−HK$5,299/mo
Today · 4.125%
HK$178,197
baseline
▲ 0.50% · 4.625%
HK$189,040
+HK$10,843/mo
Deposit HK$36.77M · loan HK$36.77M · min. income ≈ HK$356,394/mo (50% DSR)
Upfront cash ≈ HK$39.89M (deposit + AVD stamp duty HK$3,125,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,545
−HK$10,078/mo
▼ 0.25% · 3.875%
HK$191,548
−HK$5,075/mo
Today · 4.125%
HK$196,623
baseline
▲ 0.50% · 4.625%
HK$206,987
+HK$10,364/mo
Deposit HK$36.77M · loan HK$36.77M · min. income ≈ HK$393,246/mo (50% DSR)
Upfront cash ≈ HK$39.89M (deposit + AVD stamp duty HK$3,125,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,218
−HK$12,619/mo
▼ 0.25% · 3.875%
HK$207,477
−HK$6,360/mo
Today · 4.125%
HK$213,837
baseline
▲ 0.50% · 4.625%
HK$226,848
+HK$13,011/mo
Deposit HK$29.41M · loan HK$44.12M · min. income ≈ HK$427,674/mo (50% DSR)
Upfront cash ≈ HK$32.54M (deposit + AVD stamp duty HK$3,125,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,853
−HK$12,095/mo
▼ 0.25% · 3.875%
HK$229,857
−HK$6,091/mo
Today · 4.125%
HK$235,948
baseline
▲ 0.50% · 4.625%
HK$248,385
+HK$12,437/mo
Deposit HK$29.41M · loan HK$44.12M · min. income ≈ HK$471,896/mo (50% DSR)
Upfront cash ≈ HK$32.54M (deposit + AVD stamp duty HK$3,125,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,755
−HK$14,721/mo
▼ 0.25% · 3.875%
HK$242,057
−HK$7,419/mo
Today · 4.125%
HK$249,476
baseline
▲ 0.50% · 4.625%
HK$264,656
+HK$15,180/mo
Deposit HK$22.06M · loan HK$51.48M · min. income ≈ HK$498,952/mo (50% DSR)
Upfront cash ≈ HK$25.19M (deposit + AVD stamp duty HK$3,125,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,162
−HK$14,110/mo
▼ 0.25% · 3.875%
HK$268,167
−HK$7,105/mo
Today · 4.125%
HK$275,272
baseline
▲ 0.50% · 4.625%
HK$289,782
+HK$14,510/mo
Deposit HK$22.06M · loan HK$51.48M · min. income ≈ HK$550,544/mo (50% DSR)
Upfront cash ≈ HK$25.19M (deposit + AVD stamp duty HK$3,125,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,828
−HK$18,927/mo
▼ 0.25% · 3.875%
HK$311,216
−HK$9,539/mo
Today · 4.125%
HK$320,755
baseline
▲ 0.50% · 4.625%
HK$340,272
+HK$19,517/mo
Deposit HK$7.35M · loan HK$66.18M · min. income ≈ HK$641,510/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$3,125,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$335,780
−HK$18,141/mo
▼ 0.25% · 3.875%
HK$344,786
−HK$9,135/mo
Today · 4.125%
HK$353,921
baseline
▲ 0.50% · 4.625%
HK$372,577
+HK$18,656/mo
Deposit HK$7.35M · loan HK$66.18M · min. income ≈ HK$707,842/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$3,125,300 · Scale 2, in force from 26 Feb 2026)