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$173,008
−HK$10,849/mo
▼ 0.25% · 3.875%
HK$178,389
−HK$5,468/mo
Today · 4.125%
HK$183,857
baseline
▲ 0.50% · 4.625%
HK$195,044
+HK$11,187/mo
Deposit HK$37.94M · loan HK$37.94M · min. income ≈ HK$367,714/mo (50% DSR)
Upfront cash ≈ HK$41.16M (deposit + AVD stamp duty HK$3,224,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,469
−HK$10,399/mo
▼ 0.25% · 3.875%
HK$197,631
−HK$5,237/mo
Today · 4.125%
HK$202,868
baseline
▲ 0.50% · 4.625%
HK$213,561
+HK$10,693/mo
Deposit HK$37.94M · loan HK$37.94M · min. income ≈ HK$405,736/mo (50% DSR)
Upfront cash ≈ HK$41.16M (deposit + AVD stamp duty HK$3,224,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,609
−HK$13,019/mo
▼ 0.25% · 3.875%
HK$214,067
−HK$6,561/mo
Today · 4.125%
HK$220,628
baseline
▲ 0.50% · 4.625%
HK$234,053
+HK$13,425/mo
Deposit HK$30.35M · loan HK$45.52M · min. income ≈ HK$441,256/mo (50% DSR)
Upfront cash ≈ HK$33.57M (deposit + AVD stamp duty HK$3,224,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,963
−HK$12,478/mo
▼ 0.25% · 3.875%
HK$237,158
−HK$6,283/mo
Today · 4.125%
HK$243,441
baseline
▲ 0.50% · 4.625%
HK$256,274
+HK$12,833/mo
Deposit HK$30.35M · loan HK$45.52M · min. income ≈ HK$486,882/mo (50% DSR)
Upfront cash ≈ HK$33.57M (deposit + AVD stamp duty HK$3,224,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,211
−HK$15,189/mo
▼ 0.25% · 3.875%
HK$249,745
−HK$7,655/mo
Today · 4.125%
HK$257,400
baseline
▲ 0.50% · 4.625%
HK$273,062
+HK$15,662/mo
Deposit HK$22.76M · loan HK$53.11M · min. income ≈ HK$514,800/mo (50% DSR)
Upfront cash ≈ HK$25.99M (deposit + AVD stamp duty HK$3,224,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,457
−HK$14,558/mo
▼ 0.25% · 3.875%
HK$276,684
−HK$7,331/mo
Today · 4.125%
HK$284,015
baseline
▲ 0.50% · 4.625%
HK$298,986
+HK$14,971/mo
Deposit HK$22.76M · loan HK$53.11M · min. income ≈ HK$568,030/mo (50% DSR)
Upfront cash ≈ HK$25.99M (deposit + AVD stamp duty HK$3,224,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,414
−HK$19,528/mo
▼ 0.25% · 3.875%
HK$321,101
−HK$9,841/mo
Today · 4.125%
HK$330,942
baseline
▲ 0.50% · 4.625%
HK$351,079
+HK$20,137/mo
Deposit HK$7.59M · loan HK$68.28M · min. income ≈ HK$661,884/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$3,224,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$346,445
−HK$18,717/mo
▼ 0.25% · 3.875%
HK$355,736
−HK$9,426/mo
Today · 4.125%
HK$365,162
baseline
▲ 0.50% · 4.625%
HK$384,410
+HK$19,248/mo
Deposit HK$7.59M · loan HK$68.28M · min. income ≈ HK$730,324/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$3,224,562 · Scale 2, in force from 26 Feb 2026)