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$170,424
−HK$10,687/mo
▼ 0.25% · 3.875%
HK$175,725
−HK$5,386/mo
Today · 4.125%
HK$181,111
baseline
▲ 0.50% · 4.625%
HK$192,131
+HK$11,020/mo
Deposit HK$37.37M · loan HK$37.37M · min. income ≈ HK$362,222/mo (50% DSR)
Upfront cash ≈ HK$40.55M (deposit + AVD stamp duty HK$3,176,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,595
−HK$10,243/mo
▼ 0.25% · 3.875%
HK$194,680
−HK$5,158/mo
Today · 4.125%
HK$199,838
baseline
▲ 0.50% · 4.625%
HK$210,372
+HK$10,534/mo
Deposit HK$37.37M · loan HK$37.37M · min. income ≈ HK$399,676/mo (50% DSR)
Upfront cash ≈ HK$40.55M (deposit + AVD stamp duty HK$3,176,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,509
−HK$12,825/mo
▼ 0.25% · 3.875%
HK$210,870
−HK$6,464/mo
Today · 4.125%
HK$217,334
baseline
▲ 0.50% · 4.625%
HK$230,558
+HK$13,224/mo
Deposit HK$29.90M · loan HK$44.84M · min. income ≈ HK$434,668/mo (50% DSR)
Upfront cash ≈ HK$33.07M (deposit + AVD stamp duty HK$3,176,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,514
−HK$12,292/mo
▼ 0.25% · 3.875%
HK$233,616
−HK$6,190/mo
Today · 4.125%
HK$239,806
baseline
▲ 0.50% · 4.625%
HK$252,447
+HK$12,641/mo
Deposit HK$29.90M · loan HK$44.84M · min. income ≈ HK$479,612/mo (50% DSR)
Upfront cash ≈ HK$33.07M (deposit + AVD stamp duty HK$3,176,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,594
−HK$14,962/mo
▼ 0.25% · 3.875%
HK$246,015
−HK$7,541/mo
Today · 4.125%
HK$253,556
baseline
▲ 0.50% · 4.625%
HK$268,984
+HK$15,428/mo
Deposit HK$22.42M · loan HK$52.32M · min. income ≈ HK$507,112/mo (50% DSR)
Upfront cash ≈ HK$25.60M (deposit + AVD stamp duty HK$3,176,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,433
−HK$14,341/mo
▼ 0.25% · 3.875%
HK$272,552
−HK$7,222/mo
Today · 4.125%
HK$279,774
baseline
▲ 0.50% · 4.625%
HK$294,521
+HK$14,747/mo
Deposit HK$22.42M · loan HK$52.32M · min. income ≈ HK$559,548/mo (50% DSR)
Upfront cash ≈ HK$25.60M (deposit + AVD stamp duty HK$3,176,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,763
−HK$19,237/mo
▼ 0.25% · 3.875%
HK$316,306
−HK$9,694/mo
Today · 4.125%
HK$326,000
baseline
▲ 0.50% · 4.625%
HK$345,837
+HK$19,837/mo
Deposit HK$7.47M · loan HK$67.27M · min. income ≈ HK$652,000/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$3,176,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$341,271
−HK$18,438/mo
▼ 0.25% · 3.875%
HK$350,424
−HK$9,285/mo
Today · 4.125%
HK$359,709
baseline
▲ 0.50% · 4.625%
HK$378,670
+HK$18,961/mo
Deposit HK$7.47M · loan HK$67.27M · min. income ≈ HK$719,418/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$3,176,409 · Scale 2, in force from 26 Feb 2026)