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$169,513
−HK$10,630/mo
▼ 0.25% · 3.875%
HK$174,785
−HK$5,358/mo
Today · 4.125%
HK$180,143
baseline
▲ 0.50% · 4.625%
HK$191,104
+HK$10,961/mo
Deposit HK$37.17M · loan HK$37.17M · min. income ≈ HK$360,286/mo (50% DSR)
Upfront cash ≈ HK$40.33M (deposit + AVD stamp duty HK$3,159,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,581
−HK$10,188/mo
▼ 0.25% · 3.875%
HK$193,639
−HK$5,130/mo
Today · 4.125%
HK$198,769
baseline
▲ 0.50% · 4.625%
HK$209,247
+HK$10,478/mo
Deposit HK$37.17M · loan HK$37.17M · min. income ≈ HK$397,538/mo (50% DSR)
Upfront cash ≈ HK$40.33M (deposit + AVD stamp duty HK$3,159,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,415
−HK$12,756/mo
▼ 0.25% · 3.875%
HK$209,742
−HK$6,429/mo
Today · 4.125%
HK$216,171
baseline
▲ 0.50% · 4.625%
HK$229,325
+HK$13,154/mo
Deposit HK$29.74M · loan HK$44.60M · min. income ≈ HK$432,342/mo (50% DSR)
Upfront cash ≈ HK$32.90M (deposit + AVD stamp duty HK$3,159,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,297
−HK$12,226/mo
▼ 0.25% · 3.875%
HK$232,366
−HK$6,157/mo
Today · 4.125%
HK$238,523
baseline
▲ 0.50% · 4.625%
HK$251,096
+HK$12,573/mo
Deposit HK$29.74M · loan HK$44.60M · min. income ≈ HK$477,046/mo (50% DSR)
Upfront cash ≈ HK$32.90M (deposit + AVD stamp duty HK$3,159,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,318
−HK$14,882/mo
▼ 0.25% · 3.875%
HK$244,700
−HK$7,500/mo
Today · 4.125%
HK$252,200
baseline
▲ 0.50% · 4.625%
HK$267,545
+HK$15,345/mo
Deposit HK$22.30M · loan HK$52.04M · min. income ≈ HK$504,400/mo (50% DSR)
Upfront cash ≈ HK$25.46M (deposit + AVD stamp duty HK$3,159,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,013
−HK$14,264/mo
▼ 0.25% · 3.875%
HK$271,094
−HK$7,183/mo
Today · 4.125%
HK$278,277
baseline
▲ 0.50% · 4.625%
HK$292,946
+HK$14,669/mo
Deposit HK$22.30M · loan HK$52.04M · min. income ≈ HK$556,554/mo (50% DSR)
Upfront cash ≈ HK$25.46M (deposit + AVD stamp duty HK$3,159,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,123
−HK$19,134/mo
▼ 0.25% · 3.875%
HK$314,614
−HK$9,643/mo
Today · 4.125%
HK$324,257
baseline
▲ 0.50% · 4.625%
HK$343,987
+HK$19,730/mo
Deposit HK$7.43M · loan HK$66.91M · min. income ≈ HK$648,514/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$3,159,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$339,446
−HK$18,339/mo
▼ 0.25% · 3.875%
HK$348,550
−HK$9,235/mo
Today · 4.125%
HK$357,785
baseline
▲ 0.50% · 4.625%
HK$376,644
+HK$18,859/mo
Deposit HK$7.43M · loan HK$66.91M · min. income ≈ HK$715,570/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$3,159,419 · Scale 2, in force from 26 Feb 2026)