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$180,750
−HK$11,335/mo
▼ 0.25% · 3.875%
HK$186,372
−HK$5,713/mo
Today · 4.125%
HK$192,085
baseline
▲ 0.50% · 4.625%
HK$203,772
+HK$11,687/mo
Deposit HK$39.63M · loan HK$39.63M · min. income ≈ HK$384,170/mo (50% DSR)
Upfront cash ≈ HK$43.00M (deposit + AVD stamp duty HK$3,368,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,083
−HK$10,863/mo
▼ 0.25% · 3.875%
HK$206,475
−HK$5,471/mo
Today · 4.125%
HK$211,946
baseline
▲ 0.50% · 4.625%
HK$223,118
+HK$11,172/mo
Deposit HK$39.63M · loan HK$39.63M · min. income ≈ HK$423,892/mo (50% DSR)
Upfront cash ≈ HK$43.00M (deposit + AVD stamp duty HK$3,368,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,900
−HK$13,601/mo
▼ 0.25% · 3.875%
HK$223,647
−HK$6,854/mo
Today · 4.125%
HK$230,501
baseline
▲ 0.50% · 4.625%
HK$244,527
+HK$14,026/mo
Deposit HK$31.71M · loan HK$47.56M · min. income ≈ HK$461,002/mo (50% DSR)
Upfront cash ≈ HK$35.08M (deposit + AVD stamp duty HK$3,368,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,299
−HK$13,037/mo
▼ 0.25% · 3.875%
HK$247,771
−HK$6,565/mo
Today · 4.125%
HK$254,336
baseline
▲ 0.50% · 4.625%
HK$267,742
+HK$13,406/mo
Deposit HK$31.71M · loan HK$47.56M · min. income ≈ HK$508,672/mo (50% DSR)
Upfront cash ≈ HK$35.08M (deposit + AVD stamp duty HK$3,368,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,050
−HK$15,868/mo
▼ 0.25% · 3.875%
HK$260,921
−HK$7,997/mo
Today · 4.125%
HK$268,918
baseline
▲ 0.50% · 4.625%
HK$285,281
+HK$16,363/mo
Deposit HK$23.78M · loan HK$55.49M · min. income ≈ HK$537,836/mo (50% DSR)
Upfront cash ≈ HK$27.15M (deposit + AVD stamp duty HK$3,368,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,516
−HK$15,209/mo
▼ 0.25% · 3.875%
HK$289,066
−HK$7,659/mo
Today · 4.125%
HK$296,725
baseline
▲ 0.50% · 4.625%
HK$312,366
+HK$15,641/mo
Deposit HK$23.78M · loan HK$55.49M · min. income ≈ HK$593,450/mo (50% DSR)
Upfront cash ≈ HK$27.15M (deposit + AVD stamp duty HK$3,368,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$325,350
−HK$20,402/mo
▼ 0.25% · 3.875%
HK$335,470
−HK$10,282/mo
Today · 4.125%
HK$345,752
baseline
▲ 0.50% · 4.625%
HK$366,790
+HK$21,038/mo
Deposit HK$7.93M · loan HK$71.34M · min. income ≈ HK$691,504/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$3,368,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$361,949
−HK$19,554/mo
▼ 0.25% · 3.875%
HK$371,656
−HK$9,847/mo
Today · 4.125%
HK$381,503
baseline
▲ 0.50% · 4.625%
HK$401,613
+HK$20,110/mo
Deposit HK$7.93M · loan HK$71.34M · min. income ≈ HK$763,006/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$3,368,864 · Scale 2, in force from 26 Feb 2026)