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$198,343
−HK$12,438/mo
▼ 0.25% · 3.875%
HK$204,512
−HK$6,269/mo
Today · 4.125%
HK$210,781
baseline
▲ 0.50% · 4.625%
HK$223,606
+HK$12,825/mo
Deposit HK$43.49M · loan HK$43.49M · min. income ≈ HK$421,562/mo (50% DSR)
Upfront cash ≈ HK$47.19M (deposit + AVD stamp duty HK$3,696,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,654
−HK$11,922/mo
▼ 0.25% · 3.875%
HK$226,572
−HK$6,004/mo
Today · 4.125%
HK$232,576
baseline
▲ 0.50% · 4.625%
HK$244,835
+HK$12,259/mo
Deposit HK$43.49M · loan HK$43.49M · min. income ≈ HK$465,152/mo (50% DSR)
Upfront cash ≈ HK$47.19M (deposit + AVD stamp duty HK$3,696,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,011
−HK$14,926/mo
▼ 0.25% · 3.875%
HK$245,415
−HK$7,522/mo
Today · 4.125%
HK$252,937
baseline
▲ 0.50% · 4.625%
HK$268,327
+HK$15,390/mo
Deposit HK$34.79M · loan HK$52.19M · min. income ≈ HK$505,874/mo (50% DSR)
Upfront cash ≈ HK$38.49M (deposit + AVD stamp duty HK$3,696,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,785
−HK$14,306/mo
▼ 0.25% · 3.875%
HK$271,887
−HK$7,204/mo
Today · 4.125%
HK$279,091
baseline
▲ 0.50% · 4.625%
HK$293,802
+HK$14,711/mo
Deposit HK$34.79M · loan HK$52.19M · min. income ≈ HK$558,182/mo (50% DSR)
Upfront cash ≈ HK$38.49M (deposit + AVD stamp duty HK$3,696,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,680
−HK$17,413/mo
▼ 0.25% · 3.875%
HK$286,317
−HK$8,776/mo
Today · 4.125%
HK$295,093
baseline
▲ 0.50% · 4.625%
HK$313,049
+HK$17,956/mo
Deposit HK$26.09M · loan HK$60.89M · min. income ≈ HK$590,186/mo (50% DSR)
Upfront cash ≈ HK$29.79M (deposit + AVD stamp duty HK$3,696,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,916
−HK$16,690/mo
▼ 0.25% · 3.875%
HK$317,201
−HK$8,405/mo
Today · 4.125%
HK$325,606
baseline
▲ 0.50% · 4.625%
HK$342,769
+HK$17,163/mo
Deposit HK$26.09M · loan HK$60.89M · min. income ≈ HK$651,212/mo (50% DSR)
Upfront cash ≈ HK$29.79M (deposit + AVD stamp duty HK$3,696,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$357,017
−HK$22,388/mo
▼ 0.25% · 3.875%
HK$368,122
−HK$11,283/mo
Today · 4.125%
HK$379,405
baseline
▲ 0.50% · 4.625%
HK$402,491
+HK$23,086/mo
Deposit HK$8.70M · loan HK$78.28M · min. income ≈ HK$758,810/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$3,696,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$397,178
−HK$21,458/mo
▼ 0.25% · 3.875%
HK$407,830
−HK$10,806/mo
Today · 4.125%
HK$418,636
baseline
▲ 0.50% · 4.625%
HK$440,703
+HK$22,067/mo
Deposit HK$8.70M · loan HK$78.28M · min. income ≈ HK$837,272/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$3,696,764 · Scale 2, in force from 26 Feb 2026)