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$175,772
−HK$11,023/mo
▼ 0.25% · 3.875%
HK$181,240
−HK$5,555/mo
Today · 4.125%
HK$186,795
baseline
▲ 0.50% · 4.625%
HK$198,161
+HK$11,366/mo
Deposit HK$38.54M · loan HK$38.54M · min. income ≈ HK$373,590/mo (50% DSR)
Upfront cash ≈ HK$41.82M (deposit + AVD stamp duty HK$3,276,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,545
−HK$10,565/mo
▼ 0.25% · 3.875%
HK$200,789
−HK$5,321/mo
Today · 4.125%
HK$206,110
baseline
▲ 0.50% · 4.625%
HK$216,974
+HK$10,864/mo
Deposit HK$38.54M · loan HK$38.54M · min. income ≈ HK$412,220/mo (50% DSR)
Upfront cash ≈ HK$41.82M (deposit + AVD stamp duty HK$3,276,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,927
−HK$13,227/mo
▼ 0.25% · 3.875%
HK$217,488
−HK$6,666/mo
Today · 4.125%
HK$224,154
baseline
▲ 0.50% · 4.625%
HK$237,793
+HK$13,639/mo
Deposit HK$30.83M · loan HK$46.25M · min. income ≈ HK$448,308/mo (50% DSR)
Upfront cash ≈ HK$34.11M (deposit + AVD stamp duty HK$3,276,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,654
−HK$12,678/mo
▼ 0.25% · 3.875%
HK$240,947
−HK$6,385/mo
Today · 4.125%
HK$247,332
baseline
▲ 0.50% · 4.625%
HK$260,369
+HK$13,037/mo
Deposit HK$30.83M · loan HK$46.25M · min. income ≈ HK$494,664/mo (50% DSR)
Upfront cash ≈ HK$34.11M (deposit + AVD stamp duty HK$3,276,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,081
−HK$15,432/mo
▼ 0.25% · 3.875%
HK$253,736
−HK$7,777/mo
Today · 4.125%
HK$261,513
baseline
▲ 0.50% · 4.625%
HK$277,425
+HK$15,912/mo
Deposit HK$23.13M · loan HK$53.96M · min. income ≈ HK$523,026/mo (50% DSR)
Upfront cash ≈ HK$26.40M (deposit + AVD stamp duty HK$3,276,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,763
−HK$14,791/mo
▼ 0.25% · 3.875%
HK$281,105
−HK$7,449/mo
Today · 4.125%
HK$288,554
baseline
▲ 0.50% · 4.625%
HK$303,764
+HK$15,210/mo
Deposit HK$23.13M · loan HK$53.96M · min. income ≈ HK$577,108/mo (50% DSR)
Upfront cash ≈ HK$26.40M (deposit + AVD stamp duty HK$3,276,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,390
−HK$19,841/mo
▼ 0.25% · 3.875%
HK$326,232
−HK$9,999/mo
Today · 4.125%
HK$336,231
baseline
▲ 0.50% · 4.625%
HK$356,690
+HK$20,459/mo
Deposit HK$7.71M · loan HK$69.38M · min. income ≈ HK$672,462/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$3,276,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$351,981
−HK$19,017/mo
▼ 0.25% · 3.875%
HK$361,421
−HK$9,577/mo
Today · 4.125%
HK$370,998
baseline
▲ 0.50% · 4.625%
HK$390,553
+HK$19,555/mo
Deposit HK$7.71M · loan HK$69.38M · min. income ≈ HK$741,996/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$3,276,092 · Scale 2, in force from 26 Feb 2026)