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$170,538
−HK$10,695/mo
▼ 0.25% · 3.875%
HK$175,843
−HK$5,390/mo
Today · 4.125%
HK$181,233
baseline
▲ 0.50% · 4.625%
HK$192,260
+HK$11,027/mo
Deposit HK$37.39M · loan HK$37.39M · min. income ≈ HK$362,466/mo (50% DSR)
Upfront cash ≈ HK$40.57M (deposit + AVD stamp duty HK$3,178,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,722
−HK$10,250/mo
▼ 0.25% · 3.875%
HK$194,810
−HK$5,162/mo
Today · 4.125%
HK$199,972
baseline
▲ 0.50% · 4.625%
HK$210,513
+HK$10,541/mo
Deposit HK$37.39M · loan HK$37.39M · min. income ≈ HK$399,944/mo (50% DSR)
Upfront cash ≈ HK$40.57M (deposit + AVD stamp duty HK$3,178,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,646
−HK$12,833/mo
▼ 0.25% · 3.875%
HK$211,012
−HK$6,467/mo
Today · 4.125%
HK$217,479
baseline
▲ 0.50% · 4.625%
HK$230,712
+HK$13,233/mo
Deposit HK$29.92M · loan HK$44.87M · min. income ≈ HK$434,958/mo (50% DSR)
Upfront cash ≈ HK$33.09M (deposit + AVD stamp duty HK$3,178,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,667
−HK$12,300/mo
▼ 0.25% · 3.875%
HK$233,772
−HK$6,195/mo
Today · 4.125%
HK$239,967
baseline
▲ 0.50% · 4.625%
HK$252,616
+HK$12,649/mo
Deposit HK$29.92M · loan HK$44.87M · min. income ≈ HK$479,934/mo (50% DSR)
Upfront cash ≈ HK$33.09M (deposit + AVD stamp duty HK$3,178,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,754
−HK$14,972/mo
▼ 0.25% · 3.875%
HK$246,180
−HK$7,546/mo
Today · 4.125%
HK$253,726
baseline
▲ 0.50% · 4.625%
HK$269,164
+HK$15,438/mo
Deposit HK$22.44M · loan HK$52.35M · min. income ≈ HK$507,452/mo (50% DSR)
Upfront cash ≈ HK$25.62M (deposit + AVD stamp duty HK$3,178,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,611
−HK$14,350/mo
▼ 0.25% · 3.875%
HK$272,734
−HK$7,227/mo
Today · 4.125%
HK$279,961
baseline
▲ 0.50% · 4.625%
HK$294,718
+HK$14,757/mo
Deposit HK$22.44M · loan HK$52.35M · min. income ≈ HK$559,922/mo (50% DSR)
Upfront cash ≈ HK$25.62M (deposit + AVD stamp duty HK$3,178,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,969
−HK$19,250/mo
▼ 0.25% · 3.875%
HK$316,517
−HK$9,702/mo
Today · 4.125%
HK$326,219
baseline
▲ 0.50% · 4.625%
HK$346,068
+HK$19,849/mo
Deposit HK$7.48M · loan HK$67.31M · min. income ≈ HK$652,438/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$3,178,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$341,500
−HK$18,450/mo
▼ 0.25% · 3.875%
HK$350,659
−HK$9,291/mo
Today · 4.125%
HK$359,950
baseline
▲ 0.50% · 4.625%
HK$378,923
+HK$18,973/mo
Deposit HK$7.48M · loan HK$67.31M · min. income ≈ HK$719,900/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$3,178,536 · Scale 2, in force from 26 Feb 2026)