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$210,529
−HK$13,202/mo
▼ 0.25% · 3.875%
HK$217,077
−HK$6,654/mo
Today · 4.125%
HK$223,731
baseline
▲ 0.50% · 4.625%
HK$237,344
+HK$13,613/mo
Deposit HK$46.16M · loan HK$46.16M · min. income ≈ HK$447,462/mo (50% DSR)
Upfront cash ≈ HK$50.09M (deposit + AVD stamp duty HK$3,923,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,211
−HK$12,654/mo
▼ 0.25% · 3.875%
HK$240,492
−HK$6,373/mo
Today · 4.125%
HK$246,865
baseline
▲ 0.50% · 4.625%
HK$259,877
+HK$13,012/mo
Deposit HK$46.16M · loan HK$46.16M · min. income ≈ HK$493,730/mo (50% DSR)
Upfront cash ≈ HK$50.09M (deposit + AVD stamp duty HK$3,923,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,634
−HK$15,843/mo
▼ 0.25% · 3.875%
HK$260,493
−HK$7,984/mo
Today · 4.125%
HK$268,477
baseline
▲ 0.50% · 4.625%
HK$284,813
+HK$16,336/mo
Deposit HK$36.93M · loan HK$55.40M · min. income ≈ HK$536,954/mo (50% DSR)
Upfront cash ≈ HK$40.85M (deposit + AVD stamp duty HK$3,923,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,053
−HK$15,184/mo
▼ 0.25% · 3.875%
HK$288,591
−HK$7,646/mo
Today · 4.125%
HK$296,237
baseline
▲ 0.50% · 4.625%
HK$311,853
+HK$15,616/mo
Deposit HK$36.93M · loan HK$55.40M · min. income ≈ HK$592,474/mo (50% DSR)
Upfront cash ≈ HK$40.85M (deposit + AVD stamp duty HK$3,923,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,740
−HK$18,483/mo
▼ 0.25% · 3.875%
HK$303,908
−HK$9,315/mo
Today · 4.125%
HK$313,223
baseline
▲ 0.50% · 4.625%
HK$332,282
+HK$19,059/mo
Deposit HK$27.70M · loan HK$64.63M · min. income ≈ HK$626,446/mo (50% DSR)
Upfront cash ≈ HK$31.62M (deposit + AVD stamp duty HK$3,923,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$327,895
−HK$17,715/mo
▼ 0.25% · 3.875%
HK$336,689
−HK$8,921/mo
Today · 4.125%
HK$345,610
baseline
▲ 0.50% · 4.625%
HK$363,828
+HK$18,218/mo
Deposit HK$27.70M · loan HK$64.63M · min. income ≈ HK$691,220/mo (50% DSR)
Upfront cash ≈ HK$31.62M (deposit + AVD stamp duty HK$3,923,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$378,951
−HK$23,764/mo
▼ 0.25% · 3.875%
HK$390,739
−HK$11,976/mo
Today · 4.125%
HK$402,715
baseline
▲ 0.50% · 4.625%
HK$427,219
+HK$24,504/mo
Deposit HK$9.23M · loan HK$83.09M · min. income ≈ HK$805,430/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$3,923,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$421,580
−HK$22,776/mo
▼ 0.25% · 3.875%
HK$432,886
−HK$11,470/mo
Today · 4.125%
HK$444,356
baseline
▲ 0.50% · 4.625%
HK$467,779
+HK$23,423/mo
Deposit HK$9.23M · loan HK$83.09M · min. income ≈ HK$888,712/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$3,923,884 · Scale 2, in force from 26 Feb 2026)