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$193,323
−HK$12,123/mo
▼ 0.25% · 3.875%
HK$199,337
−HK$6,109/mo
Today · 4.125%
HK$205,446
baseline
▲ 0.50% · 4.625%
HK$217,947
+HK$12,501/mo
Deposit HK$42.39M · loan HK$42.39M · min. income ≈ HK$410,892/mo (50% DSR)
Upfront cash ≈ HK$45.99M (deposit + AVD stamp duty HK$3,603,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,070
−HK$11,620/mo
▼ 0.25% · 3.875%
HK$220,838
−HK$5,852/mo
Today · 4.125%
HK$226,690
baseline
▲ 0.50% · 4.625%
HK$238,639
+HK$11,949/mo
Deposit HK$42.39M · loan HK$42.39M · min. income ≈ HK$453,380/mo (50% DSR)
Upfront cash ≈ HK$45.99M (deposit + AVD stamp duty HK$3,603,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,988
−HK$14,547/mo
▼ 0.25% · 3.875%
HK$239,204
−HK$7,331/mo
Today · 4.125%
HK$246,535
baseline
▲ 0.50% · 4.625%
HK$261,537
+HK$15,002/mo
Deposit HK$33.91M · loan HK$50.87M · min. income ≈ HK$493,070/mo (50% DSR)
Upfront cash ≈ HK$37.52M (deposit + AVD stamp duty HK$3,603,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,084
−HK$13,944/mo
▼ 0.25% · 3.875%
HK$265,006
−HK$7,022/mo
Today · 4.125%
HK$272,028
baseline
▲ 0.50% · 4.625%
HK$286,366
+HK$14,338/mo
Deposit HK$33.91M · loan HK$50.87M · min. income ≈ HK$544,056/mo (50% DSR)
Upfront cash ≈ HK$37.52M (deposit + AVD stamp duty HK$3,603,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,652
−HK$16,973/mo
▼ 0.25% · 3.875%
HK$279,071
−HK$8,554/mo
Today · 4.125%
HK$287,625
baseline
▲ 0.50% · 4.625%
HK$305,126
+HK$17,501/mo
Deposit HK$25.43M · loan HK$59.35M · min. income ≈ HK$575,250/mo (50% DSR)
Upfront cash ≈ HK$29.04M (deposit + AVD stamp duty HK$3,603,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,098
−HK$16,267/mo
▼ 0.25% · 3.875%
HK$309,173
−HK$8,192/mo
Today · 4.125%
HK$317,365
baseline
▲ 0.50% · 4.625%
HK$334,094
+HK$16,729/mo
Deposit HK$25.43M · loan HK$59.35M · min. income ≈ HK$634,730/mo (50% DSR)
Upfront cash ≈ HK$29.04M (deposit + AVD stamp duty HK$3,603,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$347,982
−HK$21,821/mo
▼ 0.25% · 3.875%
HK$358,806
−HK$10,997/mo
Today · 4.125%
HK$369,803
baseline
▲ 0.50% · 4.625%
HK$392,305
+HK$22,502/mo
Deposit HK$8.48M · loan HK$76.30M · min. income ≈ HK$739,606/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$3,603,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$387,126
−HK$20,915/mo
▼ 0.25% · 3.875%
HK$397,509
−HK$10,532/mo
Today · 4.125%
HK$408,041
baseline
▲ 0.50% · 4.625%
HK$429,550
+HK$21,509/mo
Deposit HK$8.48M · loan HK$76.30M · min. income ≈ HK$816,082/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$3,603,206 · Scale 2, in force from 26 Feb 2026)