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$173,929
−HK$10,907/mo
▼ 0.25% · 3.875%
HK$179,339
−HK$5,497/mo
Today · 4.125%
HK$184,836
baseline
▲ 0.50% · 4.625%
HK$196,082
+HK$11,246/mo
Deposit HK$38.14M · loan HK$38.14M · min. income ≈ HK$369,672/mo (50% DSR)
Upfront cash ≈ HK$41.38M (deposit + AVD stamp duty HK$3,241,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,494
−HK$10,454/mo
▼ 0.25% · 3.875%
HK$198,683
−HK$5,265/mo
Today · 4.125%
HK$203,948
baseline
▲ 0.50% · 4.625%
HK$214,698
+HK$10,750/mo
Deposit HK$38.14M · loan HK$38.14M · min. income ≈ HK$407,896/mo (50% DSR)
Upfront cash ≈ HK$41.38M (deposit + AVD stamp duty HK$3,241,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,714
−HK$13,089/mo
▼ 0.25% · 3.875%
HK$215,207
−HK$6,596/mo
Today · 4.125%
HK$221,803
baseline
▲ 0.50% · 4.625%
HK$235,299
+HK$13,496/mo
Deposit HK$30.51M · loan HK$45.77M · min. income ≈ HK$443,606/mo (50% DSR)
Upfront cash ≈ HK$33.75M (deposit + AVD stamp duty HK$3,241,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,193
−HK$12,544/mo
▼ 0.25% · 3.875%
HK$238,420
−HK$6,317/mo
Today · 4.125%
HK$244,737
baseline
▲ 0.50% · 4.625%
HK$257,638
+HK$12,901/mo
Deposit HK$30.51M · loan HK$45.77M · min. income ≈ HK$489,474/mo (50% DSR)
Upfront cash ≈ HK$33.75M (deposit + AVD stamp duty HK$3,241,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,500
−HK$15,270/mo
▼ 0.25% · 3.875%
HK$251,074
−HK$7,696/mo
Today · 4.125%
HK$258,770
baseline
▲ 0.50% · 4.625%
HK$274,515
+HK$15,745/mo
Deposit HK$22.88M · loan HK$53.39M · min. income ≈ HK$517,540/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$3,241,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,892
−HK$14,635/mo
▼ 0.25% · 3.875%
HK$278,157
−HK$7,370/mo
Today · 4.125%
HK$285,527
baseline
▲ 0.50% · 4.625%
HK$300,578
+HK$15,051/mo
Deposit HK$22.88M · loan HK$53.39M · min. income ≈ HK$571,054/mo (50% DSR)
Upfront cash ≈ HK$26.12M (deposit + AVD stamp duty HK$3,241,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,072
−HK$19,632/mo
▼ 0.25% · 3.875%
HK$322,810
−HK$9,894/mo
Today · 4.125%
HK$332,704
baseline
▲ 0.50% · 4.625%
HK$352,948
+HK$20,244/mo
Deposit HK$7.63M · loan HK$68.65M · min. income ≈ HK$665,408/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$3,241,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$348,289
−HK$18,817/mo
▼ 0.25% · 3.875%
HK$357,630
−HK$9,476/mo
Today · 4.125%
HK$367,106
baseline
▲ 0.50% · 4.625%
HK$386,457
+HK$19,351/mo
Deposit HK$7.63M · loan HK$68.65M · min. income ≈ HK$734,212/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$3,241,729 · Scale 2, in force from 26 Feb 2026)