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$166,935
−HK$10,468/mo
▼ 0.25% · 3.875%
HK$172,127
−HK$5,276/mo
Today · 4.125%
HK$177,403
baseline
▲ 0.50% · 4.625%
HK$188,198
+HK$10,795/mo
Deposit HK$36.60M · loan HK$36.60M · min. income ≈ HK$354,806/mo (50% DSR)
Upfront cash ≈ HK$39.72M (deposit + AVD stamp duty HK$3,111,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,713
−HK$10,034/mo
▼ 0.25% · 3.875%
HK$190,694
−HK$5,053/mo
Today · 4.125%
HK$195,747
baseline
▲ 0.50% · 4.625%
HK$206,065
+HK$10,318/mo
Deposit HK$36.60M · loan HK$36.60M · min. income ≈ HK$391,494/mo (50% DSR)
Upfront cash ≈ HK$39.72M (deposit + AVD stamp duty HK$3,111,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,322
−HK$12,562/mo
▼ 0.25% · 3.875%
HK$206,553
−HK$6,331/mo
Today · 4.125%
HK$212,884
baseline
▲ 0.50% · 4.625%
HK$225,837
+HK$12,953/mo
Deposit HK$29.28M · loan HK$43.93M · min. income ≈ HK$425,768/mo (50% DSR)
Upfront cash ≈ HK$32.39M (deposit + AVD stamp duty HK$3,111,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,856
−HK$12,040/mo
▼ 0.25% · 3.875%
HK$228,833
−HK$6,063/mo
Today · 4.125%
HK$234,896
baseline
▲ 0.50% · 4.625%
HK$247,278
+HK$12,382/mo
Deposit HK$29.28M · loan HK$43.93M · min. income ≈ HK$469,792/mo (50% DSR)
Upfront cash ≈ HK$32.39M (deposit + AVD stamp duty HK$3,111,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,709
−HK$14,655/mo
▼ 0.25% · 3.875%
HK$240,978
−HK$7,386/mo
Today · 4.125%
HK$248,364
baseline
▲ 0.50% · 4.625%
HK$263,477
+HK$15,113/mo
Deposit HK$21.96M · loan HK$51.25M · min. income ≈ HK$496,728/mo (50% DSR)
Upfront cash ≈ HK$25.07M (deposit + AVD stamp duty HK$3,111,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,999
−HK$14,046/mo
▼ 0.25% · 3.875%
HK$266,972
−HK$7,073/mo
Today · 4.125%
HK$274,045
baseline
▲ 0.50% · 4.625%
HK$288,491
+HK$14,446/mo
Deposit HK$21.96M · loan HK$51.25M · min. income ≈ HK$548,090/mo (50% DSR)
Upfront cash ≈ HK$25.07M (deposit + AVD stamp duty HK$3,111,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,483
−HK$18,842/mo
▼ 0.25% · 3.875%
HK$309,829
−HK$9,496/mo
Today · 4.125%
HK$319,325
baseline
▲ 0.50% · 4.625%
HK$338,756
+HK$19,431/mo
Deposit HK$7.32M · loan HK$65.89M · min. income ≈ HK$638,650/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$3,111,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$334,284
−HK$18,060/mo
▼ 0.25% · 3.875%
HK$343,249
−HK$9,095/mo
Today · 4.125%
HK$352,344
baseline
▲ 0.50% · 4.625%
HK$370,917
+HK$18,573/mo
Deposit HK$7.32M · loan HK$65.89M · min. income ≈ HK$704,688/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$3,111,373 · Scale 2, in force from 26 Feb 2026)