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$194,916
−HK$12,223/mo
▼ 0.25% · 3.875%
HK$200,979
−HK$6,160/mo
Today · 4.125%
HK$207,139
baseline
▲ 0.50% · 4.625%
HK$219,742
+HK$12,603/mo
Deposit HK$42.74M · loan HK$42.74M · min. income ≈ HK$414,278/mo (50% DSR)
Upfront cash ≈ HK$46.37M (deposit + AVD stamp duty HK$3,632,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,842
−HK$11,715/mo
▼ 0.25% · 3.875%
HK$222,657
−HK$5,900/mo
Today · 4.125%
HK$228,557
baseline
▲ 0.50% · 4.625%
HK$240,605
+HK$12,048/mo
Deposit HK$42.74M · loan HK$42.74M · min. income ≈ HK$457,114/mo (50% DSR)
Upfront cash ≈ HK$46.37M (deposit + AVD stamp duty HK$3,632,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,899
−HK$14,667/mo
▼ 0.25% · 3.875%
HK$241,174
−HK$7,392/mo
Today · 4.125%
HK$248,566
baseline
▲ 0.50% · 4.625%
HK$263,691
+HK$15,125/mo
Deposit HK$34.19M · loan HK$51.29M · min. income ≈ HK$497,132/mo (50% DSR)
Upfront cash ≈ HK$37.82M (deposit + AVD stamp duty HK$3,632,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,210
−HK$14,058/mo
▼ 0.25% · 3.875%
HK$267,189
−HK$7,079/mo
Today · 4.125%
HK$274,268
baseline
▲ 0.50% · 4.625%
HK$288,725
+HK$14,457/mo
Deposit HK$34.19M · loan HK$51.29M · min. income ≈ HK$548,536/mo (50% DSR)
Upfront cash ≈ HK$37.82M (deposit + AVD stamp duty HK$3,632,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,882
−HK$17,112/mo
▼ 0.25% · 3.875%
HK$281,370
−HK$8,624/mo
Today · 4.125%
HK$289,994
baseline
▲ 0.50% · 4.625%
HK$307,639
+HK$17,645/mo
Deposit HK$25.64M · loan HK$59.84M · min. income ≈ HK$579,988/mo (50% DSR)
Upfront cash ≈ HK$29.28M (deposit + AVD stamp duty HK$3,632,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,578
−HK$16,402/mo
▼ 0.25% · 3.875%
HK$311,720
−HK$8,260/mo
Today · 4.125%
HK$319,980
baseline
▲ 0.50% · 4.625%
HK$336,846
+HK$16,866/mo
Deposit HK$25.64M · loan HK$59.84M · min. income ≈ HK$639,960/mo (50% DSR)
Upfront cash ≈ HK$29.28M (deposit + AVD stamp duty HK$3,632,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$350,848
−HK$22,001/mo
▼ 0.25% · 3.875%
HK$361,762
−HK$11,087/mo
Today · 4.125%
HK$372,849
baseline
▲ 0.50% · 4.625%
HK$395,536
+HK$22,687/mo
Deposit HK$8.55M · loan HK$76.93M · min. income ≈ HK$745,698/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$3,632,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$390,315
−HK$21,088/mo
▼ 0.25% · 3.875%
HK$400,783
−HK$10,620/mo
Today · 4.125%
HK$411,403
baseline
▲ 0.50% · 4.625%
HK$433,088
+HK$21,685/mo
Deposit HK$8.55M · loan HK$76.93M · min. income ≈ HK$822,806/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$3,632,888 · Scale 2, in force from 26 Feb 2026)