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$170,939
−HK$10,720/mo
▼ 0.25% · 3.875%
HK$176,257
−HK$5,402/mo
Today · 4.125%
HK$181,659
baseline
▲ 0.50% · 4.625%
HK$192,712
+HK$11,053/mo
Deposit HK$37.48M · loan HK$37.48M · min. income ≈ HK$363,318/mo (50% DSR)
Upfront cash ≈ HK$40.67M (deposit + AVD stamp duty HK$3,186,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,168
−HK$10,275/mo
▼ 0.25% · 3.875%
HK$195,269
−HK$5,174/mo
Today · 4.125%
HK$200,443
baseline
▲ 0.50% · 4.625%
HK$211,008
+HK$10,565/mo
Deposit HK$37.48M · loan HK$37.48M · min. income ≈ HK$400,886/mo (50% DSR)
Upfront cash ≈ HK$40.67M (deposit + AVD stamp duty HK$3,186,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,127
−HK$12,863/mo
▼ 0.25% · 3.875%
HK$211,508
−HK$6,482/mo
Today · 4.125%
HK$217,990
baseline
▲ 0.50% · 4.625%
HK$231,255
+HK$13,265/mo
Deposit HK$29.99M · loan HK$44.98M · min. income ≈ HK$435,980/mo (50% DSR)
Upfront cash ≈ HK$33.17M (deposit + AVD stamp duty HK$3,186,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,202
−HK$12,329/mo
▼ 0.25% · 3.875%
HK$234,322
−HK$6,209/mo
Today · 4.125%
HK$240,531
baseline
▲ 0.50% · 4.625%
HK$253,210
+HK$12,679/mo
Deposit HK$29.99M · loan HK$44.98M · min. income ≈ HK$481,062/mo (50% DSR)
Upfront cash ≈ HK$33.17M (deposit + AVD stamp duty HK$3,186,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,315
−HK$15,007/mo
▼ 0.25% · 3.875%
HK$246,759
−HK$7,563/mo
Today · 4.125%
HK$254,322
baseline
▲ 0.50% · 4.625%
HK$269,797
+HK$15,475/mo
Deposit HK$22.49M · loan HK$52.48M · min. income ≈ HK$508,644/mo (50% DSR)
Upfront cash ≈ HK$25.68M (deposit + AVD stamp duty HK$3,186,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,236
−HK$14,384/mo
▼ 0.25% · 3.875%
HK$273,376
−HK$7,244/mo
Today · 4.125%
HK$280,620
baseline
▲ 0.50% · 4.625%
HK$295,411
+HK$14,791/mo
Deposit HK$22.49M · loan HK$52.48M · min. income ≈ HK$561,240/mo (50% DSR)
Upfront cash ≈ HK$25.68M (deposit + AVD stamp duty HK$3,186,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$307,691
−HK$19,295/mo
▼ 0.25% · 3.875%
HK$317,262
−HK$9,724/mo
Today · 4.125%
HK$326,986
baseline
▲ 0.50% · 4.625%
HK$346,882
+HK$19,896/mo
Deposit HK$7.50M · loan HK$67.47M · min. income ≈ HK$653,972/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$3,186,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$342,303
−HK$18,494/mo
▼ 0.25% · 3.875%
HK$351,483
−HK$9,314/mo
Today · 4.125%
HK$360,797
baseline
▲ 0.50% · 4.625%
HK$379,815
+HK$19,018/mo
Deposit HK$7.50M · loan HK$67.47M · min. income ≈ HK$721,594/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$3,186,011 · Scale 2, in force from 26 Feb 2026)