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$171,822
−HK$10,775/mo
▼ 0.25% · 3.875%
HK$177,166
−HK$5,431/mo
Today · 4.125%
HK$182,597
baseline
▲ 0.50% · 4.625%
HK$193,707
+HK$11,110/mo
Deposit HK$37.68M · loan HK$37.68M · min. income ≈ HK$365,194/mo (50% DSR)
Upfront cash ≈ HK$40.88M (deposit + AVD stamp duty HK$3,202,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,150
−HK$10,327/mo
▼ 0.25% · 3.875%
HK$196,277
−HK$5,200/mo
Today · 4.125%
HK$201,477
baseline
▲ 0.50% · 4.625%
HK$212,097
+HK$10,620/mo
Deposit HK$37.68M · loan HK$37.68M · min. income ≈ HK$402,954/mo (50% DSR)
Upfront cash ≈ HK$40.88M (deposit + AVD stamp duty HK$3,202,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,186
−HK$12,930/mo
▼ 0.25% · 3.875%
HK$212,600
−HK$6,516/mo
Today · 4.125%
HK$219,116
baseline
▲ 0.50% · 4.625%
HK$232,449
+HK$13,333/mo
Deposit HK$30.14M · loan HK$45.21M · min. income ≈ HK$438,232/mo (50% DSR)
Upfront cash ≈ HK$33.34M (deposit + AVD stamp duty HK$3,202,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,380
−HK$12,393/mo
▼ 0.25% · 3.875%
HK$235,532
−HK$6,241/mo
Today · 4.125%
HK$241,773
baseline
▲ 0.50% · 4.625%
HK$254,517
+HK$12,744/mo
Deposit HK$30.14M · loan HK$45.21M · min. income ≈ HK$483,546/mo (50% DSR)
Upfront cash ≈ HK$33.34M (deposit + AVD stamp duty HK$3,202,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,551
−HK$15,084/mo
▼ 0.25% · 3.875%
HK$248,033
−HK$7,602/mo
Today · 4.125%
HK$255,635
baseline
▲ 0.50% · 4.625%
HK$271,190
+HK$15,555/mo
Deposit HK$22.61M · loan HK$52.75M · min. income ≈ HK$511,270/mo (50% DSR)
Upfront cash ≈ HK$25.81M (deposit + AVD stamp duty HK$3,202,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,610
−HK$14,458/mo
▼ 0.25% · 3.875%
HK$274,787
−HK$7,281/mo
Today · 4.125%
HK$282,068
baseline
▲ 0.50% · 4.625%
HK$296,936
+HK$14,868/mo
Deposit HK$22.61M · loan HK$52.75M · min. income ≈ HK$564,136/mo (50% DSR)
Upfront cash ≈ HK$25.81M (deposit + AVD stamp duty HK$3,202,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,279
−HK$19,395/mo
▼ 0.25% · 3.875%
HK$318,900
−HK$9,774/mo
Today · 4.125%
HK$328,674
baseline
▲ 0.50% · 4.625%
HK$348,673
+HK$19,999/mo
Deposit HK$7.54M · loan HK$67.82M · min. income ≈ HK$657,348/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$3,202,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$344,070
−HK$18,589/mo
▼ 0.25% · 3.875%
HK$353,298
−HK$9,361/mo
Today · 4.125%
HK$362,659
baseline
▲ 0.50% · 4.625%
HK$381,775
+HK$19,116/mo
Deposit HK$7.54M · loan HK$67.82M · min. income ≈ HK$725,318/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$3,202,459 · Scale 2, in force from 26 Feb 2026)