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$179,347
−HK$11,246/mo
▼ 0.25% · 3.875%
HK$184,925
−HK$5,668/mo
Today · 4.125%
HK$190,593
baseline
▲ 0.50% · 4.625%
HK$202,190
+HK$11,597/mo
Deposit HK$39.33M · loan HK$39.33M · min. income ≈ HK$381,186/mo (50% DSR)
Upfront cash ≈ HK$42.67M (deposit + AVD stamp duty HK$3,342,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,521
−HK$10,780/mo
▼ 0.25% · 3.875%
HK$204,872
−HK$5,429/mo
Today · 4.125%
HK$210,301
baseline
▲ 0.50% · 4.625%
HK$221,386
+HK$11,085/mo
Deposit HK$39.33M · loan HK$39.33M · min. income ≈ HK$420,602/mo (50% DSR)
Upfront cash ≈ HK$42.67M (deposit + AVD stamp duty HK$3,342,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,216
−HK$13,496/mo
▼ 0.25% · 3.875%
HK$221,910
−HK$6,802/mo
Today · 4.125%
HK$228,712
baseline
▲ 0.50% · 4.625%
HK$242,628
+HK$13,916/mo
Deposit HK$31.46M · loan HK$47.19M · min. income ≈ HK$457,424/mo (50% DSR)
Upfront cash ≈ HK$34.80M (deposit + AVD stamp duty HK$3,342,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,425
−HK$12,936/mo
▼ 0.25% · 3.875%
HK$245,847
−HK$6,514/mo
Today · 4.125%
HK$252,361
baseline
▲ 0.50% · 4.625%
HK$265,663
+HK$13,302/mo
Deposit HK$31.46M · loan HK$47.19M · min. income ≈ HK$504,722/mo (50% DSR)
Upfront cash ≈ HK$34.80M (deposit + AVD stamp duty HK$3,342,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,085
−HK$15,745/mo
▼ 0.25% · 3.875%
HK$258,895
−HK$7,935/mo
Today · 4.125%
HK$266,830
baseline
▲ 0.50% · 4.625%
HK$283,066
+HK$16,236/mo
Deposit HK$23.60M · loan HK$55.06M · min. income ≈ HK$533,660/mo (50% DSR)
Upfront cash ≈ HK$26.94M (deposit + AVD stamp duty HK$3,342,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,330
−HK$15,091/mo
▼ 0.25% · 3.875%
HK$286,821
−HK$7,600/mo
Today · 4.125%
HK$294,421
baseline
▲ 0.50% · 4.625%
HK$309,940
+HK$15,519/mo
Deposit HK$23.60M · loan HK$55.06M · min. income ≈ HK$588,842/mo (50% DSR)
Upfront cash ≈ HK$26.94M (deposit + AVD stamp duty HK$3,342,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$322,824
−HK$20,244/mo
▼ 0.25% · 3.875%
HK$332,865
−HK$10,203/mo
Today · 4.125%
HK$343,068
baseline
▲ 0.50% · 4.625%
HK$363,942
+HK$20,874/mo
Deposit HK$7.87M · loan HK$70.79M · min. income ≈ HK$686,136/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$3,342,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$359,138
−HK$19,403/mo
▼ 0.25% · 3.875%
HK$368,770
−HK$9,771/mo
Today · 4.125%
HK$378,541
baseline
▲ 0.50% · 4.625%
HK$398,495
+HK$19,954/mo
Deposit HK$7.87M · loan HK$70.79M · min. income ≈ HK$757,082/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$3,342,706 · Scale 2, in force from 26 Feb 2026)