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$209,856
−HK$13,159/mo
▼ 0.25% · 3.875%
HK$216,383
−HK$6,632/mo
Today · 4.125%
HK$223,015
baseline
▲ 0.50% · 4.625%
HK$236,585
+HK$13,570/mo
Deposit HK$46.02M · loan HK$46.02M · min. income ≈ HK$446,030/mo (50% DSR)
Upfront cash ≈ HK$49.93M (deposit + AVD stamp duty HK$3,911,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,462
−HK$12,614/mo
▼ 0.25% · 3.875%
HK$239,724
−HK$6,352/mo
Today · 4.125%
HK$246,076
baseline
▲ 0.50% · 4.625%
HK$259,047
+HK$12,971/mo
Deposit HK$46.02M · loan HK$46.02M · min. income ≈ HK$492,152/mo (50% DSR)
Upfront cash ≈ HK$49.93M (deposit + AVD stamp duty HK$3,911,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,827
−HK$15,792/mo
▼ 0.25% · 3.875%
HK$259,660
−HK$7,959/mo
Today · 4.125%
HK$267,619
baseline
▲ 0.50% · 4.625%
HK$283,902
+HK$16,283/mo
Deposit HK$36.81M · loan HK$55.22M · min. income ≈ HK$535,238/mo (50% DSR)
Upfront cash ≈ HK$40.72M (deposit + AVD stamp duty HK$3,911,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,155
−HK$15,136/mo
▼ 0.25% · 3.875%
HK$287,668
−HK$7,623/mo
Today · 4.125%
HK$295,291
baseline
▲ 0.50% · 4.625%
HK$310,856
+HK$15,565/mo
Deposit HK$36.81M · loan HK$55.22M · min. income ≈ HK$590,582/mo (50% DSR)
Upfront cash ≈ HK$40.72M (deposit + AVD stamp duty HK$3,911,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,798
−HK$18,424/mo
▼ 0.25% · 3.875%
HK$302,937
−HK$9,285/mo
Today · 4.125%
HK$312,222
baseline
▲ 0.50% · 4.625%
HK$331,220
+HK$18,998/mo
Deposit HK$27.61M · loan HK$64.42M · min. income ≈ HK$624,444/mo (50% DSR)
Upfront cash ≈ HK$31.52M (deposit + AVD stamp duty HK$3,911,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$326,847
−HK$17,659/mo
▼ 0.25% · 3.875%
HK$335,613
−HK$8,893/mo
Today · 4.125%
HK$344,506
baseline
▲ 0.50% · 4.625%
HK$362,665
+HK$18,159/mo
Deposit HK$27.61M · loan HK$64.42M · min. income ≈ HK$689,012/mo (50% DSR)
Upfront cash ≈ HK$31.52M (deposit + AVD stamp duty HK$3,911,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$377,740
−HK$23,688/mo
▼ 0.25% · 3.875%
HK$389,490
−HK$11,938/mo
Today · 4.125%
HK$401,428
baseline
▲ 0.50% · 4.625%
HK$425,854
+HK$24,426/mo
Deposit HK$9.20M · loan HK$82.83M · min. income ≈ HK$802,856/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$3,911,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$420,232
−HK$22,704/mo
▼ 0.25% · 3.875%
HK$431,503
−HK$11,433/mo
Today · 4.125%
HK$442,936
baseline
▲ 0.50% · 4.625%
HK$466,284
+HK$23,348/mo
Deposit HK$9.20M · loan HK$82.83M · min. income ≈ HK$885,872/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$3,911,343 · Scale 2, in force from 26 Feb 2026)