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$175,275
−HK$10,991/mo
▼ 0.25% · 3.875%
HK$180,727
−HK$5,539/mo
Today · 4.125%
HK$186,266
baseline
▲ 0.50% · 4.625%
HK$197,600
+HK$11,334/mo
Deposit HK$38.43M · loan HK$38.43M · min. income ≈ HK$372,532/mo (50% DSR)
Upfront cash ≈ HK$41.70M (deposit + AVD stamp duty HK$3,266,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,991
−HK$10,535/mo
▼ 0.25% · 3.875%
HK$200,221
−HK$5,305/mo
Today · 4.125%
HK$205,526
baseline
▲ 0.50% · 4.625%
HK$216,360
+HK$10,834/mo
Deposit HK$38.43M · loan HK$38.43M · min. income ≈ HK$411,052/mo (50% DSR)
Upfront cash ≈ HK$41.70M (deposit + AVD stamp duty HK$3,266,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,330
−HK$13,189/mo
▼ 0.25% · 3.875%
HK$216,872
−HK$6,647/mo
Today · 4.125%
HK$223,519
baseline
▲ 0.50% · 4.625%
HK$237,120
+HK$13,601/mo
Deposit HK$30.75M · loan HK$46.12M · min. income ≈ HK$447,038/mo (50% DSR)
Upfront cash ≈ HK$34.01M (deposit + AVD stamp duty HK$3,266,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,990
−HK$12,641/mo
▼ 0.25% · 3.875%
HK$240,265
−HK$6,366/mo
Today · 4.125%
HK$246,631
baseline
▲ 0.50% · 4.625%
HK$259,632
+HK$13,001/mo
Deposit HK$30.75M · loan HK$46.12M · min. income ≈ HK$493,262/mo (50% DSR)
Upfront cash ≈ HK$34.01M (deposit + AVD stamp duty HK$3,266,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,385
−HK$15,387/mo
▼ 0.25% · 3.875%
HK$253,017
−HK$7,755/mo
Today · 4.125%
HK$260,772
baseline
▲ 0.50% · 4.625%
HK$276,640
+HK$15,868/mo
Deposit HK$23.06M · loan HK$53.81M · min. income ≈ HK$521,544/mo (50% DSR)
Upfront cash ≈ HK$26.33M (deposit + AVD stamp duty HK$3,266,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,988
−HK$14,749/mo
▼ 0.25% · 3.875%
HK$280,309
−HK$7,428/mo
Today · 4.125%
HK$287,737
baseline
▲ 0.50% · 4.625%
HK$302,903
+HK$15,166/mo
Deposit HK$23.06M · loan HK$53.81M · min. income ≈ HK$575,474/mo (50% DSR)
Upfront cash ≈ HK$26.33M (deposit + AVD stamp duty HK$3,266,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$315,494
−HK$19,785/mo
▼ 0.25% · 3.875%
HK$325,308
−HK$9,971/mo
Today · 4.125%
HK$335,279
baseline
▲ 0.50% · 4.625%
HK$355,680
+HK$20,401/mo
Deposit HK$7.69M · loan HK$69.18M · min. income ≈ HK$670,558/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$3,266,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$350,984
−HK$18,963/mo
▼ 0.25% · 3.875%
HK$360,398
−HK$9,549/mo
Today · 4.125%
HK$369,947
baseline
▲ 0.50% · 4.625%
HK$389,447
+HK$19,500/mo
Deposit HK$7.69M · loan HK$69.18M · min. income ≈ HK$739,894/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$3,266,814 · Scale 2, in force from 26 Feb 2026)