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$200,628
−HK$12,582/mo
▼ 0.25% · 3.875%
HK$206,869
−HK$6,341/mo
Today · 4.125%
HK$213,210
baseline
▲ 0.50% · 4.625%
HK$226,183
+HK$12,973/mo
Deposit HK$43.99M · loan HK$43.99M · min. income ≈ HK$426,420/mo (50% DSR)
Upfront cash ≈ HK$47.73M (deposit + AVD stamp duty HK$3,739,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,197
−HK$12,059/mo
▼ 0.25% · 3.875%
HK$229,183
−HK$6,073/mo
Today · 4.125%
HK$235,256
baseline
▲ 0.50% · 4.625%
HK$247,656
+HK$12,400/mo
Deposit HK$43.99M · loan HK$43.99M · min. income ≈ HK$470,512/mo (50% DSR)
Upfront cash ≈ HK$47.73M (deposit + AVD stamp duty HK$3,739,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,754
−HK$15,097/mo
▼ 0.25% · 3.875%
HK$248,243
−HK$7,608/mo
Today · 4.125%
HK$255,851
baseline
▲ 0.50% · 4.625%
HK$271,419
+HK$15,568/mo
Deposit HK$35.19M · loan HK$52.79M · min. income ≈ HK$511,702/mo (50% DSR)
Upfront cash ≈ HK$38.93M (deposit + AVD stamp duty HK$3,739,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,836
−HK$14,471/mo
▼ 0.25% · 3.875%
HK$275,020
−HK$7,287/mo
Today · 4.125%
HK$282,307
baseline
▲ 0.50% · 4.625%
HK$297,188
+HK$14,881/mo
Deposit HK$35.19M · loan HK$52.79M · min. income ≈ HK$564,614/mo (50% DSR)
Upfront cash ≈ HK$38.93M (deposit + AVD stamp duty HK$3,739,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,880
−HK$17,613/mo
▼ 0.25% · 3.875%
HK$289,617
−HK$8,876/mo
Today · 4.125%
HK$298,493
baseline
▲ 0.50% · 4.625%
HK$316,656
+HK$18,163/mo
Deposit HK$26.40M · loan HK$61.59M · min. income ≈ HK$596,986/mo (50% DSR)
Upfront cash ≈ HK$30.13M (deposit + AVD stamp duty HK$3,739,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,476
−HK$16,882/mo
▼ 0.25% · 3.875%
HK$320,856
−HK$8,502/mo
Today · 4.125%
HK$329,358
baseline
▲ 0.50% · 4.625%
HK$346,719
+HK$17,361/mo
Deposit HK$26.40M · loan HK$61.59M · min. income ≈ HK$658,716/mo (50% DSR)
Upfront cash ≈ HK$30.13M (deposit + AVD stamp duty HK$3,739,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$361,131
−HK$22,646/mo
▼ 0.25% · 3.875%
HK$372,364
−HK$11,413/mo
Today · 4.125%
HK$383,777
baseline
▲ 0.50% · 4.625%
HK$407,129
+HK$23,352/mo
Deposit HK$8.80M · loan HK$79.19M · min. income ≈ HK$767,554/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$3,739,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$401,755
−HK$21,705/mo
▼ 0.25% · 3.875%
HK$412,530
−HK$10,930/mo
Today · 4.125%
HK$423,460
baseline
▲ 0.50% · 4.625%
HK$445,781
+HK$22,321/mo
Deposit HK$8.80M · loan HK$79.19M · min. income ≈ HK$846,920/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$3,739,363 · Scale 2, in force from 26 Feb 2026)