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$189,061
−HK$11,856/mo
▼ 0.25% · 3.875%
HK$194,942
−HK$5,975/mo
Today · 4.125%
HK$200,917
baseline
▲ 0.50% · 4.625%
HK$213,142
+HK$12,225/mo
Deposit HK$41.46M · loan HK$41.46M · min. income ≈ HK$401,834/mo (50% DSR)
Upfront cash ≈ HK$44.98M (deposit + AVD stamp duty HK$3,523,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,328
−HK$11,364/mo
▼ 0.25% · 3.875%
HK$215,969
−HK$5,723/mo
Today · 4.125%
HK$221,692
baseline
▲ 0.50% · 4.625%
HK$233,378
+HK$11,686/mo
Deposit HK$41.46M · loan HK$41.46M · min. income ≈ HK$443,384/mo (50% DSR)
Upfront cash ≈ HK$44.98M (deposit + AVD stamp duty HK$3,523,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,873
−HK$14,227/mo
▼ 0.25% · 3.875%
HK$233,930
−HK$7,170/mo
Today · 4.125%
HK$241,100
baseline
▲ 0.50% · 4.625%
HK$255,771
+HK$14,671/mo
Deposit HK$33.16M · loan HK$49.75M · min. income ≈ HK$482,200/mo (50% DSR)
Upfront cash ≈ HK$36.69M (deposit + AVD stamp duty HK$3,523,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,394
−HK$13,636/mo
▼ 0.25% · 3.875%
HK$259,163
−HK$6,867/mo
Today · 4.125%
HK$266,030
baseline
▲ 0.50% · 4.625%
HK$280,053
+HK$14,023/mo
Deposit HK$33.16M · loan HK$49.75M · min. income ≈ HK$532,060/mo (50% DSR)
Upfront cash ≈ HK$36.69M (deposit + AVD stamp duty HK$3,523,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,685
−HK$16,598/mo
▼ 0.25% · 3.875%
HK$272,919
−HK$8,364/mo
Today · 4.125%
HK$281,283
baseline
▲ 0.50% · 4.625%
HK$298,399
+HK$17,116/mo
Deposit HK$24.87M · loan HK$58.04M · min. income ≈ HK$562,566/mo (50% DSR)
Upfront cash ≈ HK$28.40M (deposit + AVD stamp duty HK$3,523,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,460
−HK$15,909/mo
▼ 0.25% · 3.875%
HK$302,357
−HK$8,012/mo
Today · 4.125%
HK$310,369
baseline
▲ 0.50% · 4.625%
HK$326,729
+HK$16,360/mo
Deposit HK$24.87M · loan HK$58.04M · min. income ≈ HK$620,738/mo (50% DSR)
Upfront cash ≈ HK$28.40M (deposit + AVD stamp duty HK$3,523,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$340,310
−HK$21,340/mo
▼ 0.25% · 3.875%
HK$350,895
−HK$10,755/mo
Today · 4.125%
HK$361,650
baseline
▲ 0.50% · 4.625%
HK$383,656
+HK$22,006/mo
Deposit HK$8.29M · loan HK$74.62M · min. income ≈ HK$723,300/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$3,523,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$378,591
−HK$20,454/mo
▼ 0.25% · 3.875%
HK$388,745
−HK$10,300/mo
Today · 4.125%
HK$399,045
baseline
▲ 0.50% · 4.625%
HK$420,080
+HK$21,035/mo
Deposit HK$8.29M · loan HK$74.62M · min. income ≈ HK$798,090/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$3,523,767 · Scale 2, in force from 26 Feb 2026)