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$179,385
−HK$11,249/mo
▼ 0.25% · 3.875%
HK$184,965
−HK$5,669/mo
Today · 4.125%
HK$190,634
baseline
▲ 0.50% · 4.625%
HK$202,234
+HK$11,600/mo
Deposit HK$39.33M · loan HK$39.33M · min. income ≈ HK$381,268/mo (50% DSR)
Upfront cash ≈ HK$42.68M (deposit + AVD stamp duty HK$3,343,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,564
−HK$10,782/mo
▼ 0.25% · 3.875%
HK$204,916
−HK$5,430/mo
Today · 4.125%
HK$210,346
baseline
▲ 0.50% · 4.625%
HK$221,434
+HK$11,088/mo
Deposit HK$39.33M · loan HK$39.33M · min. income ≈ HK$420,692/mo (50% DSR)
Upfront cash ≈ HK$42.68M (deposit + AVD stamp duty HK$3,343,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,262
−HK$13,499/mo
▼ 0.25% · 3.875%
HK$221,958
−HK$6,803/mo
Today · 4.125%
HK$228,761
baseline
▲ 0.50% · 4.625%
HK$242,681
+HK$13,920/mo
Deposit HK$31.47M · loan HK$47.20M · min. income ≈ HK$457,522/mo (50% DSR)
Upfront cash ≈ HK$34.81M (deposit + AVD stamp duty HK$3,343,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,477
−HK$12,938/mo
▼ 0.25% · 3.875%
HK$245,900
−HK$6,515/mo
Today · 4.125%
HK$252,415
baseline
▲ 0.50% · 4.625%
HK$265,720
+HK$13,305/mo
Deposit HK$31.47M · loan HK$47.20M · min. income ≈ HK$504,830/mo (50% DSR)
Upfront cash ≈ HK$34.81M (deposit + AVD stamp duty HK$3,343,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,139
−HK$15,749/mo
▼ 0.25% · 3.875%
HK$258,951
−HK$7,937/mo
Today · 4.125%
HK$266,888
baseline
▲ 0.50% · 4.625%
HK$283,127
+HK$16,239/mo
Deposit HK$23.60M · loan HK$55.07M · min. income ≈ HK$533,776/mo (50% DSR)
Upfront cash ≈ HK$26.94M (deposit + AVD stamp duty HK$3,343,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,390
−HK$15,094/mo
▼ 0.25% · 3.875%
HK$286,883
−HK$7,601/mo
Today · 4.125%
HK$294,484
baseline
▲ 0.50% · 4.625%
HK$310,007
+HK$15,523/mo
Deposit HK$23.60M · loan HK$55.07M · min. income ≈ HK$588,968/mo (50% DSR)
Upfront cash ≈ HK$26.94M (deposit + AVD stamp duty HK$3,343,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$322,893
−HK$20,248/mo
▼ 0.25% · 3.875%
HK$332,937
−HK$10,204/mo
Today · 4.125%
HK$343,141
baseline
▲ 0.50% · 4.625%
HK$364,021
+HK$20,880/mo
Deposit HK$7.87M · loan HK$70.80M · min. income ≈ HK$686,282/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$3,343,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$359,215
−HK$19,408/mo
▼ 0.25% · 3.875%
HK$368,849
−HK$9,774/mo
Today · 4.125%
HK$378,623
baseline
▲ 0.50% · 4.625%
HK$398,580
+HK$19,957/mo
Deposit HK$7.87M · loan HK$70.80M · min. income ≈ HK$757,246/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$3,343,426 · Scale 2, in force from 26 Feb 2026)