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$169,986
−HK$10,659/mo
▼ 0.25% · 3.875%
HK$175,273
−HK$5,372/mo
Today · 4.125%
HK$180,645
baseline
▲ 0.50% · 4.625%
HK$191,637
+HK$10,992/mo
Deposit HK$37.27M · loan HK$37.27M · min. income ≈ HK$361,290/mo (50% DSR)
Upfront cash ≈ HK$40.44M (deposit + AVD stamp duty HK$3,168,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,107
−HK$10,217/mo
▼ 0.25% · 3.875%
HK$194,179
−HK$5,145/mo
Today · 4.125%
HK$199,324
baseline
▲ 0.50% · 4.625%
HK$209,831
+HK$10,507/mo
Deposit HK$37.27M · loan HK$37.27M · min. income ≈ HK$398,648/mo (50% DSR)
Upfront cash ≈ HK$40.44M (deposit + AVD stamp duty HK$3,168,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,983
−HK$12,791/mo
▼ 0.25% · 3.875%
HK$210,328
−HK$6,446/mo
Today · 4.125%
HK$216,774
baseline
▲ 0.50% · 4.625%
HK$229,964
+HK$13,190/mo
Deposit HK$29.82M · loan HK$44.73M · min. income ≈ HK$433,548/mo (50% DSR)
Upfront cash ≈ HK$32.99M (deposit + AVD stamp duty HK$3,168,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,929
−HK$12,260/mo
▼ 0.25% · 3.875%
HK$233,015
−HK$6,174/mo
Today · 4.125%
HK$239,189
baseline
▲ 0.50% · 4.625%
HK$251,797
+HK$12,608/mo
Deposit HK$29.82M · loan HK$44.73M · min. income ≈ HK$478,378/mo (50% DSR)
Upfront cash ≈ HK$32.99M (deposit + AVD stamp duty HK$3,168,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,980
−HK$14,923/mo
▼ 0.25% · 3.875%
HK$245,382
−HK$7,521/mo
Today · 4.125%
HK$252,903
baseline
▲ 0.50% · 4.625%
HK$268,292
+HK$15,389/mo
Deposit HK$22.36M · loan HK$52.18M · min. income ≈ HK$505,806/mo (50% DSR)
Upfront cash ≈ HK$25.53M (deposit + AVD stamp duty HK$3,168,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,750
−HK$14,304/mo
▼ 0.25% · 3.875%
HK$271,851
−HK$7,203/mo
Today · 4.125%
HK$279,054
baseline
▲ 0.50% · 4.625%
HK$293,763
+HK$14,709/mo
Deposit HK$22.36M · loan HK$52.18M · min. income ≈ HK$558,108/mo (50% DSR)
Upfront cash ≈ HK$25.53M (deposit + AVD stamp duty HK$3,168,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,974
−HK$19,187/mo
▼ 0.25% · 3.875%
HK$315,491
−HK$9,670/mo
Today · 4.125%
HK$325,161
baseline
▲ 0.50% · 4.625%
HK$344,947
+HK$19,786/mo
Deposit HK$7.45M · loan HK$67.09M · min. income ≈ HK$650,322/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$3,168,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$340,393
−HK$18,390/mo
▼ 0.25% · 3.875%
HK$349,522
−HK$9,261/mo
Today · 4.125%
HK$358,783
baseline
▲ 0.50% · 4.625%
HK$377,695
+HK$18,912/mo
Deposit HK$7.45M · loan HK$67.09M · min. income ≈ HK$717,566/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$3,168,234 · Scale 2, in force from 26 Feb 2026)