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$169,577
−HK$10,634/mo
▼ 0.25% · 3.875%
HK$174,852
−HK$5,359/mo
Today · 4.125%
HK$180,211
baseline
▲ 0.50% · 4.625%
HK$191,177
+HK$10,966/mo
Deposit HK$37.18M · loan HK$37.18M · min. income ≈ HK$360,422/mo (50% DSR)
Upfront cash ≈ HK$40.34M (deposit + AVD stamp duty HK$3,160,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,653
−HK$10,193/mo
▼ 0.25% · 3.875%
HK$193,713
−HK$5,133/mo
Today · 4.125%
HK$198,846
baseline
▲ 0.50% · 4.625%
HK$209,327
+HK$10,481/mo
Deposit HK$37.18M · loan HK$37.18M · min. income ≈ HK$397,692/mo (50% DSR)
Upfront cash ≈ HK$40.34M (deposit + AVD stamp duty HK$3,160,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,493
−HK$12,761/mo
▼ 0.25% · 3.875%
HK$209,823
−HK$6,431/mo
Today · 4.125%
HK$216,254
baseline
▲ 0.50% · 4.625%
HK$229,412
+HK$13,158/mo
Deposit HK$29.75M · loan HK$44.62M · min. income ≈ HK$432,508/mo (50% DSR)
Upfront cash ≈ HK$32.91M (deposit + AVD stamp duty HK$3,160,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,384
−HK$12,231/mo
▼ 0.25% · 3.875%
HK$232,455
−HK$6,160/mo
Today · 4.125%
HK$238,615
baseline
▲ 0.50% · 4.625%
HK$251,192
+HK$12,577/mo
Deposit HK$29.75M · loan HK$44.62M · min. income ≈ HK$477,230/mo (50% DSR)
Upfront cash ≈ HK$32.91M (deposit + AVD stamp duty HK$3,160,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,408
−HK$14,888/mo
▼ 0.25% · 3.875%
HK$244,793
−HK$7,503/mo
Today · 4.125%
HK$252,296
baseline
▲ 0.50% · 4.625%
HK$267,648
+HK$15,352/mo
Deposit HK$22.31M · loan HK$52.06M · min. income ≈ HK$504,592/mo (50% DSR)
Upfront cash ≈ HK$25.47M (deposit + AVD stamp duty HK$3,160,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,115
−HK$14,269/mo
▼ 0.25% · 3.875%
HK$271,198
−HK$7,186/mo
Today · 4.125%
HK$278,384
baseline
▲ 0.50% · 4.625%
HK$293,058
+HK$14,674/mo
Deposit HK$22.31M · loan HK$52.06M · min. income ≈ HK$556,768/mo (50% DSR)
Upfront cash ≈ HK$25.47M (deposit + AVD stamp duty HK$3,160,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,239
−HK$19,142/mo
▼ 0.25% · 3.875%
HK$314,734
−HK$9,647/mo
Today · 4.125%
HK$324,381
baseline
▲ 0.50% · 4.625%
HK$344,118
+HK$19,737/mo
Deposit HK$7.44M · loan HK$66.93M · min. income ≈ HK$648,762/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$3,160,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$339,576
−HK$18,346/mo
▼ 0.25% · 3.875%
HK$348,683
−HK$9,239/mo
Today · 4.125%
HK$357,922
baseline
▲ 0.50% · 4.625%
HK$376,789
+HK$18,867/mo
Deposit HK$7.44M · loan HK$66.93M · min. income ≈ HK$715,844/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$3,160,629 · Scale 2, in force from 26 Feb 2026)