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$169,562
−HK$10,633/mo
▼ 0.25% · 3.875%
HK$174,836
−HK$5,359/mo
Today · 4.125%
HK$180,195
baseline
▲ 0.50% · 4.625%
HK$191,159
+HK$10,964/mo
Deposit HK$37.18M · loan HK$37.18M · min. income ≈ HK$360,390/mo (50% DSR)
Upfront cash ≈ HK$40.34M (deposit + AVD stamp duty HK$3,160,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,636
−HK$10,191/mo
▼ 0.25% · 3.875%
HK$193,695
−HK$5,132/mo
Today · 4.125%
HK$198,827
baseline
▲ 0.50% · 4.625%
HK$209,308
+HK$10,481/mo
Deposit HK$37.18M · loan HK$37.18M · min. income ≈ HK$397,654/mo (50% DSR)
Upfront cash ≈ HK$40.34M (deposit + AVD stamp duty HK$3,160,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,474
−HK$12,760/mo
▼ 0.25% · 3.875%
HK$209,803
−HK$6,431/mo
Today · 4.125%
HK$216,234
baseline
▲ 0.50% · 4.625%
HK$229,391
+HK$13,157/mo
Deposit HK$29.74M · loan HK$44.62M · min. income ≈ HK$432,468/mo (50% DSR)
Upfront cash ≈ HK$32.90M (deposit + AVD stamp duty HK$3,160,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,363
−HK$12,230/mo
▼ 0.25% · 3.875%
HK$232,434
−HK$6,159/mo
Today · 4.125%
HK$238,593
baseline
▲ 0.50% · 4.625%
HK$251,169
+HK$12,576/mo
Deposit HK$29.74M · loan HK$44.62M · min. income ≈ HK$477,186/mo (50% DSR)
Upfront cash ≈ HK$32.90M (deposit + AVD stamp duty HK$3,160,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,386
−HK$14,887/mo
▼ 0.25% · 3.875%
HK$244,771
−HK$7,502/mo
Today · 4.125%
HK$252,273
baseline
▲ 0.50% · 4.625%
HK$267,623
+HK$15,350/mo
Deposit HK$22.31M · loan HK$52.05M · min. income ≈ HK$504,546/mo (50% DSR)
Upfront cash ≈ HK$25.47M (deposit + AVD stamp duty HK$3,160,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,090
−HK$14,268/mo
▼ 0.25% · 3.875%
HK$271,173
−HK$7,185/mo
Today · 4.125%
HK$278,358
baseline
▲ 0.50% · 4.625%
HK$293,031
+HK$14,673/mo
Deposit HK$22.31M · loan HK$52.05M · min. income ≈ HK$556,716/mo (50% DSR)
Upfront cash ≈ HK$25.47M (deposit + AVD stamp duty HK$3,160,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,211
−HK$19,140/mo
▼ 0.25% · 3.875%
HK$314,705
−HK$9,646/mo
Today · 4.125%
HK$324,351
baseline
▲ 0.50% · 4.625%
HK$344,087
+HK$19,736/mo
Deposit HK$7.44M · loan HK$66.92M · min. income ≈ HK$648,702/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$3,160,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$339,544
−HK$18,345/mo
▼ 0.25% · 3.875%
HK$348,651
−HK$9,238/mo
Today · 4.125%
HK$357,889
baseline
▲ 0.50% · 4.625%
HK$376,754
+HK$18,865/mo
Deposit HK$7.44M · loan HK$66.92M · min. income ≈ HK$715,778/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$3,160,336 · Scale 2, in force from 26 Feb 2026)