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$207,675
−HK$13,023/mo
▼ 0.25% · 3.875%
HK$214,135
−HK$6,563/mo
Today · 4.125%
HK$220,698
baseline
▲ 0.50% · 4.625%
HK$234,127
+HK$13,429/mo
Deposit HK$45.54M · loan HK$45.54M · min. income ≈ HK$441,396/mo (50% DSR)
Upfront cash ≈ HK$49.41M (deposit + AVD stamp duty HK$3,870,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,036
−HK$12,482/mo
▼ 0.25% · 3.875%
HK$237,232
−HK$6,286/mo
Today · 4.125%
HK$243,518
baseline
▲ 0.50% · 4.625%
HK$256,354
+HK$12,836/mo
Deposit HK$45.54M · loan HK$45.54M · min. income ≈ HK$487,036/mo (50% DSR)
Upfront cash ≈ HK$49.41M (deposit + AVD stamp duty HK$3,870,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,210
−HK$15,627/mo
▼ 0.25% · 3.875%
HK$256,961
−HK$7,876/mo
Today · 4.125%
HK$264,837
baseline
▲ 0.50% · 4.625%
HK$280,952
+HK$16,115/mo
Deposit HK$36.43M · loan HK$54.65M · min. income ≈ HK$529,674/mo (50% DSR)
Upfront cash ≈ HK$40.30M (deposit + AVD stamp duty HK$3,870,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,243
−HK$14,979/mo
▼ 0.25% · 3.875%
HK$284,679
−HK$7,543/mo
Today · 4.125%
HK$292,222
baseline
▲ 0.50% · 4.625%
HK$307,625
+HK$15,403/mo
Deposit HK$36.43M · loan HK$54.65M · min. income ≈ HK$584,444/mo (50% DSR)
Upfront cash ≈ HK$40.30M (deposit + AVD stamp duty HK$3,870,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,745
−HK$18,232/mo
▼ 0.25% · 3.875%
HK$299,788
−HK$9,189/mo
Today · 4.125%
HK$308,977
baseline
▲ 0.50% · 4.625%
HK$327,777
+HK$18,800/mo
Deposit HK$27.32M · loan HK$63.75M · min. income ≈ HK$617,954/mo (50% DSR)
Upfront cash ≈ HK$31.19M (deposit + AVD stamp duty HK$3,870,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,450
−HK$17,475/mo
▼ 0.25% · 3.875%
HK$332,125
−HK$8,800/mo
Today · 4.125%
HK$340,925
baseline
▲ 0.50% · 4.625%
HK$358,896
+HK$17,971/mo
Deposit HK$27.32M · loan HK$63.75M · min. income ≈ HK$681,850/mo (50% DSR)
Upfront cash ≈ HK$31.19M (deposit + AVD stamp duty HK$3,870,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$373,814
−HK$23,442/mo
▼ 0.25% · 3.875%
HK$385,442
−HK$11,814/mo
Today · 4.125%
HK$397,256
baseline
▲ 0.50% · 4.625%
HK$421,428
+HK$24,172/mo
Deposit HK$9.11M · loan HK$81.97M · min. income ≈ HK$794,512/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$3,870,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$415,865
−HK$22,468/mo
▼ 0.25% · 3.875%
HK$427,018
−HK$11,315/mo
Today · 4.125%
HK$438,333
baseline
▲ 0.50% · 4.625%
HK$461,438
+HK$23,105/mo
Deposit HK$9.11M · loan HK$81.97M · min. income ≈ HK$876,666/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$3,870,694 · Scale 2, in force from 26 Feb 2026)