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$176,055
−HK$11,040/mo
▼ 0.25% · 3.875%
HK$181,532
−HK$5,563/mo
Today · 4.125%
HK$187,095
baseline
▲ 0.50% · 4.625%
HK$198,480
+HK$11,385/mo
Deposit HK$38.60M · loan HK$38.60M · min. income ≈ HK$374,190/mo (50% DSR)
Upfront cash ≈ HK$41.89M (deposit + AVD stamp duty HK$3,281,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,860
−HK$10,581/mo
▼ 0.25% · 3.875%
HK$201,113
−HK$5,328/mo
Today · 4.125%
HK$206,441
baseline
▲ 0.50% · 4.625%
HK$217,323
+HK$10,882/mo
Deposit HK$38.60M · loan HK$38.60M · min. income ≈ HK$412,882/mo (50% DSR)
Upfront cash ≈ HK$41.89M (deposit + AVD stamp duty HK$3,281,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,266
−HK$13,249/mo
▼ 0.25% · 3.875%
HK$217,838
−HK$6,677/mo
Today · 4.125%
HK$224,515
baseline
▲ 0.50% · 4.625%
HK$238,176
+HK$13,661/mo
Deposit HK$30.88M · loan HK$46.33M · min. income ≈ HK$449,030/mo (50% DSR)
Upfront cash ≈ HK$34.16M (deposit + AVD stamp duty HK$3,281,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,032
−HK$12,698/mo
▼ 0.25% · 3.875%
HK$241,335
−HK$6,395/mo
Today · 4.125%
HK$247,730
baseline
▲ 0.50% · 4.625%
HK$260,788
+HK$13,058/mo
Deposit HK$30.88M · loan HK$46.33M · min. income ≈ HK$495,460/mo (50% DSR)
Upfront cash ≈ HK$34.16M (deposit + AVD stamp duty HK$3,281,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,477
−HK$15,457/mo
▼ 0.25% · 3.875%
HK$254,144
−HK$7,790/mo
Today · 4.125%
HK$261,934
baseline
▲ 0.50% · 4.625%
HK$277,872
+HK$15,938/mo
Deposit HK$23.16M · loan HK$54.05M · min. income ≈ HK$523,868/mo (50% DSR)
Upfront cash ≈ HK$26.44M (deposit + AVD stamp duty HK$3,281,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,204
−HK$14,814/mo
▼ 0.25% · 3.875%
HK$281,558
−HK$7,460/mo
Today · 4.125%
HK$289,018
baseline
▲ 0.50% · 4.625%
HK$304,252
+HK$15,234/mo
Deposit HK$23.16M · loan HK$54.05M · min. income ≈ HK$578,036/mo (50% DSR)
Upfront cash ≈ HK$26.44M (deposit + AVD stamp duty HK$3,281,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,899
−HK$19,873/mo
▼ 0.25% · 3.875%
HK$326,757
−HK$10,015/mo
Today · 4.125%
HK$336,772
baseline
▲ 0.50% · 4.625%
HK$357,264
+HK$20,492/mo
Deposit HK$7.72M · loan HK$69.49M · min. income ≈ HK$673,544/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$3,281,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,547
−HK$19,047/mo
▼ 0.25% · 3.875%
HK$362,003
−HK$9,591/mo
Today · 4.125%
HK$371,594
baseline
▲ 0.50% · 4.625%
HK$391,182
+HK$19,588/mo
Deposit HK$7.72M · loan HK$69.49M · min. income ≈ HK$743,188/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$3,281,363 · Scale 2, in force from 26 Feb 2026)