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$171,433
−HK$10,751/mo
▼ 0.25% · 3.875%
HK$176,766
−HK$5,418/mo
Today · 4.125%
HK$182,184
baseline
▲ 0.50% · 4.625%
HK$193,269
+HK$11,085/mo
Deposit HK$37.59M · loan HK$37.59M · min. income ≈ HK$364,368/mo (50% DSR)
Upfront cash ≈ HK$40.79M (deposit + AVD stamp duty HK$3,195,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,718
−HK$10,304/mo
▼ 0.25% · 3.875%
HK$195,833
−HK$5,189/mo
Today · 4.125%
HK$201,022
baseline
▲ 0.50% · 4.625%
HK$211,618
+HK$10,596/mo
Deposit HK$37.59M · loan HK$37.59M · min. income ≈ HK$402,044/mo (50% DSR)
Upfront cash ≈ HK$40.79M (deposit + AVD stamp duty HK$3,195,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,720
−HK$12,901/mo
▼ 0.25% · 3.875%
HK$212,119
−HK$6,502/mo
Today · 4.125%
HK$218,621
baseline
▲ 0.50% · 4.625%
HK$231,923
+HK$13,302/mo
Deposit HK$30.07M · loan HK$45.11M · min. income ≈ HK$437,242/mo (50% DSR)
Upfront cash ≈ HK$33.27M (deposit + AVD stamp duty HK$3,195,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,861
−HK$12,365/mo
▼ 0.25% · 3.875%
HK$234,999
−HK$6,227/mo
Today · 4.125%
HK$241,226
baseline
▲ 0.50% · 4.625%
HK$253,942
+HK$12,716/mo
Deposit HK$30.07M · loan HK$45.11M · min. income ≈ HK$482,452/mo (50% DSR)
Upfront cash ≈ HK$33.27M (deposit + AVD stamp duty HK$3,195,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,007
−HK$15,050/mo
▼ 0.25% · 3.875%
HK$247,472
−HK$7,585/mo
Today · 4.125%
HK$255,057
baseline
▲ 0.50% · 4.625%
HK$270,577
+HK$15,520/mo
Deposit HK$22.55M · loan HK$52.63M · min. income ≈ HK$510,114/mo (50% DSR)
Upfront cash ≈ HK$25.75M (deposit + AVD stamp duty HK$3,195,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,005
−HK$14,426/mo
▼ 0.25% · 3.875%
HK$274,166
−HK$7,265/mo
Today · 4.125%
HK$281,431
baseline
▲ 0.50% · 4.625%
HK$296,265
+HK$14,834/mo
Deposit HK$22.55M · loan HK$52.63M · min. income ≈ HK$562,862/mo (50% DSR)
Upfront cash ≈ HK$25.75M (deposit + AVD stamp duty HK$3,195,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,580
−HK$19,351/mo
▼ 0.25% · 3.875%
HK$318,179
−HK$9,752/mo
Today · 4.125%
HK$327,931
baseline
▲ 0.50% · 4.625%
HK$347,885
+HK$19,954/mo
Deposit HK$7.52M · loan HK$67.66M · min. income ≈ HK$655,862/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$3,195,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$343,292
−HK$18,547/mo
▼ 0.25% · 3.875%
HK$352,499
−HK$9,340/mo
Today · 4.125%
HK$361,839
baseline
▲ 0.50% · 4.625%
HK$380,912
+HK$19,073/mo
Deposit HK$7.52M · loan HK$67.66M · min. income ≈ HK$723,678/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$3,195,219 · Scale 2, in force from 26 Feb 2026)