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$181,798
−HK$11,401/mo
▼ 0.25% · 3.875%
HK$187,453
−HK$5,746/mo
Today · 4.125%
HK$193,199
baseline
▲ 0.50% · 4.625%
HK$204,954
+HK$11,755/mo
Deposit HK$39.86M · loan HK$39.86M · min. income ≈ HK$386,398/mo (50% DSR)
Upfront cash ≈ HK$43.25M (deposit + AVD stamp duty HK$3,388,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,249
−HK$10,927/mo
▼ 0.25% · 3.875%
HK$207,673
−HK$5,503/mo
Today · 4.125%
HK$213,176
baseline
▲ 0.50% · 4.625%
HK$224,413
+HK$11,237/mo
Deposit HK$39.86M · loan HK$39.86M · min. income ≈ HK$426,352/mo (50% DSR)
Upfront cash ≈ HK$43.25M (deposit + AVD stamp duty HK$3,388,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,158
−HK$13,680/mo
▼ 0.25% · 3.875%
HK$224,944
−HK$6,894/mo
Today · 4.125%
HK$231,838
baseline
▲ 0.50% · 4.625%
HK$245,945
+HK$14,107/mo
Deposit HK$31.89M · loan HK$47.84M · min. income ≈ HK$463,676/mo (50% DSR)
Upfront cash ≈ HK$35.28M (deposit + AVD stamp duty HK$3,388,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,699
−HK$13,112/mo
▼ 0.25% · 3.875%
HK$249,208
−HK$6,603/mo
Today · 4.125%
HK$255,811
baseline
▲ 0.50% · 4.625%
HK$269,295
+HK$13,484/mo
Deposit HK$31.89M · loan HK$47.84M · min. income ≈ HK$511,622/mo (50% DSR)
Upfront cash ≈ HK$35.28M (deposit + AVD stamp duty HK$3,388,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,518
−HK$15,960/mo
▼ 0.25% · 3.875%
HK$262,435
−HK$8,043/mo
Today · 4.125%
HK$270,478
baseline
▲ 0.50% · 4.625%
HK$286,936
+HK$16,458/mo
Deposit HK$23.92M · loan HK$55.81M · min. income ≈ HK$540,956/mo (50% DSR)
Upfront cash ≈ HK$27.31M (deposit + AVD stamp duty HK$3,388,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,148
−HK$15,298/mo
▼ 0.25% · 3.875%
HK$290,742
−HK$7,704/mo
Today · 4.125%
HK$298,446
baseline
▲ 0.50% · 4.625%
HK$314,178
+HK$15,732/mo
Deposit HK$23.92M · loan HK$55.81M · min. income ≈ HK$596,892/mo (50% DSR)
Upfront cash ≈ HK$27.31M (deposit + AVD stamp duty HK$3,388,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$327,237
−HK$20,521/mo
▼ 0.25% · 3.875%
HK$337,416
−HK$10,342/mo
Today · 4.125%
HK$347,758
baseline
▲ 0.50% · 4.625%
HK$368,918
+HK$21,160/mo
Deposit HK$7.97M · loan HK$71.75M · min. income ≈ HK$695,516/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$3,388,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$364,048
−HK$19,668/mo
▼ 0.25% · 3.875%
HK$373,812
−HK$9,904/mo
Today · 4.125%
HK$383,716
baseline
▲ 0.50% · 4.625%
HK$403,943
+HK$20,227/mo
Deposit HK$7.97M · loan HK$71.75M · min. income ≈ HK$767,432/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$3,388,405 · Scale 2, in force from 26 Feb 2026)