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$169,219
−HK$10,611/mo
▼ 0.25% · 3.875%
HK$174,482
−HK$5,348/mo
Today · 4.125%
HK$179,830
baseline
▲ 0.50% · 4.625%
HK$190,772
+HK$10,942/mo
Deposit HK$37.11M · loan HK$37.11M · min. income ≈ HK$359,660/mo (50% DSR)
Upfront cash ≈ HK$40.26M (deposit + AVD stamp duty HK$3,153,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,254
−HK$10,171/mo
▼ 0.25% · 3.875%
HK$193,303
−HK$5,122/mo
Today · 4.125%
HK$198,425
baseline
▲ 0.50% · 4.625%
HK$208,884
+HK$10,459/mo
Deposit HK$37.11M · loan HK$37.11M · min. income ≈ HK$396,850/mo (50% DSR)
Upfront cash ≈ HK$40.26M (deposit + AVD stamp duty HK$3,153,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,062
−HK$12,734/mo
▼ 0.25% · 3.875%
HK$209,379
−HK$6,417/mo
Today · 4.125%
HK$215,796
baseline
▲ 0.50% · 4.625%
HK$228,927
+HK$13,131/mo
Deposit HK$29.68M · loan HK$44.53M · min. income ≈ HK$431,592/mo (50% DSR)
Upfront cash ≈ HK$32.84M (deposit + AVD stamp duty HK$3,153,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,905
−HK$12,205/mo
▼ 0.25% · 3.875%
HK$231,963
−HK$6,147/mo
Today · 4.125%
HK$238,110
baseline
▲ 0.50% · 4.625%
HK$250,661
+HK$12,551/mo
Deposit HK$29.68M · loan HK$44.53M · min. income ≈ HK$476,220/mo (50% DSR)
Upfront cash ≈ HK$32.84M (deposit + AVD stamp duty HK$3,153,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,906
−HK$14,856/mo
▼ 0.25% · 3.875%
HK$244,275
−HK$7,487/mo
Today · 4.125%
HK$251,762
baseline
▲ 0.50% · 4.625%
HK$267,081
+HK$15,319/mo
Deposit HK$22.26M · loan HK$51.95M · min. income ≈ HK$503,524/mo (50% DSR)
Upfront cash ≈ HK$25.42M (deposit + AVD stamp duty HK$3,153,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,556
−HK$14,239/mo
▼ 0.25% · 3.875%
HK$270,624
−HK$7,171/mo
Today · 4.125%
HK$277,795
baseline
▲ 0.50% · 4.625%
HK$292,438
+HK$14,643/mo
Deposit HK$22.26M · loan HK$51.95M · min. income ≈ HK$555,590/mo (50% DSR)
Upfront cash ≈ HK$25.42M (deposit + AVD stamp duty HK$3,153,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,593
−HK$19,101/mo
▼ 0.25% · 3.875%
HK$314,068
−HK$9,626/mo
Today · 4.125%
HK$323,694
baseline
▲ 0.50% · 4.625%
HK$343,390
+HK$19,696/mo
Deposit HK$7.42M · loan HK$66.79M · min. income ≈ HK$647,388/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$3,153,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$338,857
−HK$18,308/mo
▼ 0.25% · 3.875%
HK$347,945
−HK$9,220/mo
Today · 4.125%
HK$357,165
baseline
▲ 0.50% · 4.625%
HK$375,991
+HK$18,826/mo
Deposit HK$7.42M · loan HK$66.79M · min. income ≈ HK$714,330/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$3,153,940 · Scale 2, in force from 26 Feb 2026)