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$167,548
−HK$10,507/mo
▼ 0.25% · 3.875%
HK$172,760
−HK$5,295/mo
Today · 4.125%
HK$178,055
baseline
▲ 0.50% · 4.625%
HK$188,889
+HK$10,834/mo
Deposit HK$36.74M · loan HK$36.74M · min. income ≈ HK$356,110/mo (50% DSR)
Upfront cash ≈ HK$39.86M (deposit + AVD stamp duty HK$3,122,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,396
−HK$10,070/mo
▼ 0.25% · 3.875%
HK$191,395
−HK$5,071/mo
Today · 4.125%
HK$196,466
baseline
▲ 0.50% · 4.625%
HK$206,822
+HK$10,356/mo
Deposit HK$36.74M · loan HK$36.74M · min. income ≈ HK$392,932/mo (50% DSR)
Upfront cash ≈ HK$39.86M (deposit + AVD stamp duty HK$3,122,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,058
−HK$12,608/mo
▼ 0.25% · 3.875%
HK$207,312
−HK$6,354/mo
Today · 4.125%
HK$213,666
baseline
▲ 0.50% · 4.625%
HK$226,667
+HK$13,001/mo
Deposit HK$29.39M · loan HK$44.09M · min. income ≈ HK$427,332/mo (50% DSR)
Upfront cash ≈ HK$32.51M (deposit + AVD stamp duty HK$3,122,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,675
−HK$12,084/mo
▼ 0.25% · 3.875%
HK$229,674
−HK$6,085/mo
Today · 4.125%
HK$235,759
baseline
▲ 0.50% · 4.625%
HK$248,186
+HK$12,427/mo
Deposit HK$29.39M · loan HK$44.09M · min. income ≈ HK$471,518/mo (50% DSR)
Upfront cash ≈ HK$32.51M (deposit + AVD stamp duty HK$3,122,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,567
−HK$14,710/mo
▼ 0.25% · 3.875%
HK$241,864
−HK$7,413/mo
Today · 4.125%
HK$249,277
baseline
▲ 0.50% · 4.625%
HK$264,445
+HK$15,168/mo
Deposit HK$22.04M · loan HK$51.43M · min. income ≈ HK$498,554/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$3,122,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,954
−HK$14,098/mo
▼ 0.25% · 3.875%
HK$267,953
−HK$7,099/mo
Today · 4.125%
HK$275,052
baseline
▲ 0.50% · 4.625%
HK$289,551
+HK$14,499/mo
Deposit HK$22.04M · loan HK$51.43M · min. income ≈ HK$550,104/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$3,122,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,587
−HK$18,912/mo
▼ 0.25% · 3.875%
HK$310,968
−HK$9,531/mo
Today · 4.125%
HK$320,499
baseline
▲ 0.50% · 4.625%
HK$340,000
+HK$19,501/mo
Deposit HK$7.35M · loan HK$66.13M · min. income ≈ HK$640,998/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$3,122,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$335,512
−HK$18,127/mo
▼ 0.25% · 3.875%
HK$344,510
−HK$9,129/mo
Today · 4.125%
HK$353,639
baseline
▲ 0.50% · 4.625%
HK$372,280
+HK$18,641/mo
Deposit HK$7.35M · loan HK$66.13M · min. income ≈ HK$707,278/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$3,122,806 · Scale 2, in force from 26 Feb 2026)