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$167,924
−HK$10,530/mo
▼ 0.25% · 3.875%
HK$173,147
−HK$5,307/mo
Today · 4.125%
HK$178,454
baseline
▲ 0.50% · 4.625%
HK$189,313
+HK$10,859/mo
Deposit HK$36.82M · loan HK$36.82M · min. income ≈ HK$356,908/mo (50% DSR)
Upfront cash ≈ HK$39.95M (deposit + AVD stamp duty HK$3,129,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,814
−HK$10,093/mo
▼ 0.25% · 3.875%
HK$191,824
−HK$5,083/mo
Today · 4.125%
HK$196,907
baseline
▲ 0.50% · 4.625%
HK$207,286
+HK$10,379/mo
Deposit HK$36.82M · loan HK$36.82M · min. income ≈ HK$393,814/mo (50% DSR)
Upfront cash ≈ HK$39.95M (deposit + AVD stamp duty HK$3,129,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,509
−HK$12,636/mo
▼ 0.25% · 3.875%
HK$207,777
−HK$6,368/mo
Today · 4.125%
HK$214,145
baseline
▲ 0.50% · 4.625%
HK$227,175
+HK$13,030/mo
Deposit HK$29.46M · loan HK$44.19M · min. income ≈ HK$428,290/mo (50% DSR)
Upfront cash ≈ HK$32.59M (deposit + AVD stamp duty HK$3,129,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,176
−HK$12,112/mo
▼ 0.25% · 3.875%
HK$230,189
−HK$6,099/mo
Today · 4.125%
HK$236,288
baseline
▲ 0.50% · 4.625%
HK$248,743
+HK$12,455/mo
Deposit HK$29.46M · loan HK$44.19M · min. income ≈ HK$472,576/mo (50% DSR)
Upfront cash ≈ HK$32.59M (deposit + AVD stamp duty HK$3,129,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,094
−HK$14,742/mo
▼ 0.25% · 3.875%
HK$242,406
−HK$7,430/mo
Today · 4.125%
HK$249,836
baseline
▲ 0.50% · 4.625%
HK$265,038
+HK$15,202/mo
Deposit HK$22.09M · loan HK$51.55M · min. income ≈ HK$499,672/mo (50% DSR)
Upfront cash ≈ HK$25.22M (deposit + AVD stamp duty HK$3,129,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,539
−HK$14,130/mo
▼ 0.25% · 3.875%
HK$268,554
−HK$7,115/mo
Today · 4.125%
HK$275,669
baseline
▲ 0.50% · 4.625%
HK$290,200
+HK$14,531/mo
Deposit HK$22.09M · loan HK$51.55M · min. income ≈ HK$551,338/mo (50% DSR)
Upfront cash ≈ HK$25.22M (deposit + AVD stamp duty HK$3,129,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$302,263
−HK$18,955/mo
▼ 0.25% · 3.875%
HK$311,665
−HK$9,553/mo
Today · 4.125%
HK$321,218
baseline
▲ 0.50% · 4.625%
HK$340,763
+HK$19,545/mo
Deposit HK$7.36M · loan HK$66.28M · min. income ≈ HK$642,436/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$3,129,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$336,265
−HK$18,167/mo
▼ 0.25% · 3.875%
HK$345,283
−HK$9,149/mo
Today · 4.125%
HK$354,432
baseline
▲ 0.50% · 4.625%
HK$373,115
+HK$18,683/mo
Deposit HK$7.36M · loan HK$66.28M · min. income ≈ HK$708,864/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$3,129,810 · Scale 2, in force from 26 Feb 2026)