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$175,882
−HK$11,030/mo
▼ 0.25% · 3.875%
HK$181,353
−HK$5,559/mo
Today · 4.125%
HK$186,912
baseline
▲ 0.50% · 4.625%
HK$198,285
+HK$11,373/mo
Deposit HK$38.57M · loan HK$38.57M · min. income ≈ HK$373,824/mo (50% DSR)
Upfront cash ≈ HK$41.84M (deposit + AVD stamp duty HK$3,278,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,667
−HK$10,572/mo
▼ 0.25% · 3.875%
HK$200,915
−HK$5,324/mo
Today · 4.125%
HK$206,239
baseline
▲ 0.50% · 4.625%
HK$217,110
+HK$10,871/mo
Deposit HK$38.57M · loan HK$38.57M · min. income ≈ HK$412,478/mo (50% DSR)
Upfront cash ≈ HK$41.84M (deposit + AVD stamp duty HK$3,278,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,059
−HK$13,235/mo
▼ 0.25% · 3.875%
HK$217,624
−HK$6,670/mo
Today · 4.125%
HK$224,294
baseline
▲ 0.50% · 4.625%
HK$237,942
+HK$13,648/mo
Deposit HK$30.85M · loan HK$46.28M · min. income ≈ HK$448,588/mo (50% DSR)
Upfront cash ≈ HK$34.13M (deposit + AVD stamp duty HK$3,278,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,801
−HK$12,686/mo
▼ 0.25% · 3.875%
HK$241,098
−HK$6,389/mo
Today · 4.125%
HK$247,487
baseline
▲ 0.50% · 4.625%
HK$260,532
+HK$13,045/mo
Deposit HK$30.85M · loan HK$46.28M · min. income ≈ HK$494,974/mo (50% DSR)
Upfront cash ≈ HK$34.13M (deposit + AVD stamp duty HK$3,278,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,235
−HK$15,442/mo
▼ 0.25% · 3.875%
HK$253,895
−HK$7,782/mo
Today · 4.125%
HK$261,677
baseline
▲ 0.50% · 4.625%
HK$277,599
+HK$15,922/mo
Deposit HK$23.14M · loan HK$53.99M · min. income ≈ HK$523,354/mo (50% DSR)
Upfront cash ≈ HK$26.42M (deposit + AVD stamp duty HK$3,278,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,934
−HK$14,800/mo
▼ 0.25% · 3.875%
HK$281,281
−HK$7,453/mo
Today · 4.125%
HK$288,734
baseline
▲ 0.50% · 4.625%
HK$303,954
+HK$15,220/mo
Deposit HK$23.14M · loan HK$53.99M · min. income ≈ HK$577,468/mo (50% DSR)
Upfront cash ≈ HK$26.42M (deposit + AVD stamp duty HK$3,278,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,588
−HK$19,853/mo
▼ 0.25% · 3.875%
HK$326,436
−HK$10,005/mo
Today · 4.125%
HK$336,441
baseline
▲ 0.50% · 4.625%
HK$356,913
+HK$20,472/mo
Deposit HK$7.71M · loan HK$69.42M · min. income ≈ HK$672,882/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$3,278,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,201
−HK$19,029/mo
▼ 0.25% · 3.875%
HK$361,647
−HK$9,583/mo
Today · 4.125%
HK$371,230
baseline
▲ 0.50% · 4.625%
HK$390,798
+HK$19,568/mo
Deposit HK$7.71M · loan HK$69.42M · min. income ≈ HK$742,460/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$3,278,143 · Scale 2, in force from 26 Feb 2026)