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$200,572
−HK$12,578/mo
▼ 0.25% · 3.875%
HK$206,811
−HK$6,339/mo
Today · 4.125%
HK$213,150
baseline
▲ 0.50% · 4.625%
HK$226,120
+HK$12,970/mo
Deposit HK$43.98M · loan HK$43.98M · min. income ≈ HK$426,300/mo (50% DSR)
Upfront cash ≈ HK$47.72M (deposit + AVD stamp duty HK$3,738,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,135
−HK$12,055/mo
▼ 0.25% · 3.875%
HK$229,119
−HK$6,071/mo
Today · 4.125%
HK$235,190
baseline
▲ 0.50% · 4.625%
HK$247,587
+HK$12,397/mo
Deposit HK$43.98M · loan HK$43.98M · min. income ≈ HK$470,380/mo (50% DSR)
Upfront cash ≈ HK$47.72M (deposit + AVD stamp duty HK$3,738,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,687
−HK$15,093/mo
▼ 0.25% · 3.875%
HK$248,174
−HK$7,606/mo
Today · 4.125%
HK$255,780
baseline
▲ 0.50% · 4.625%
HK$271,344
+HK$15,564/mo
Deposit HK$35.18M · loan HK$52.78M · min. income ≈ HK$511,560/mo (50% DSR)
Upfront cash ≈ HK$38.92M (deposit + AVD stamp duty HK$3,738,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,762
−HK$14,466/mo
▼ 0.25% · 3.875%
HK$274,943
−HK$7,285/mo
Today · 4.125%
HK$282,228
baseline
▲ 0.50% · 4.625%
HK$297,105
+HK$14,877/mo
Deposit HK$35.18M · loan HK$52.78M · min. income ≈ HK$564,456/mo (50% DSR)
Upfront cash ≈ HK$38.92M (deposit + AVD stamp duty HK$3,738,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,801
−HK$17,609/mo
▼ 0.25% · 3.875%
HK$289,536
−HK$8,874/mo
Today · 4.125%
HK$298,410
baseline
▲ 0.50% · 4.625%
HK$316,568
+HK$18,158/mo
Deposit HK$26.39M · loan HK$61.57M · min. income ≈ HK$596,820/mo (50% DSR)
Upfront cash ≈ HK$30.13M (deposit + AVD stamp duty HK$3,738,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,389
−HK$16,877/mo
▼ 0.25% · 3.875%
HK$320,767
−HK$8,499/mo
Today · 4.125%
HK$329,266
baseline
▲ 0.50% · 4.625%
HK$346,622
+HK$17,356/mo
Deposit HK$26.39M · loan HK$61.57M · min. income ≈ HK$658,532/mo (50% DSR)
Upfront cash ≈ HK$30.13M (deposit + AVD stamp duty HK$3,738,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$361,030
−HK$22,640/mo
▼ 0.25% · 3.875%
HK$372,261
−HK$11,409/mo
Today · 4.125%
HK$383,670
baseline
▲ 0.50% · 4.625%
HK$407,016
+HK$23,346/mo
Deposit HK$8.80M · loan HK$79.16M · min. income ≈ HK$767,340/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$3,738,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$401,643
−HK$21,699/mo
▼ 0.25% · 3.875%
HK$412,415
−HK$10,927/mo
Today · 4.125%
HK$423,342
baseline
▲ 0.50% · 4.625%
HK$445,657
+HK$22,315/mo
Deposit HK$8.80M · loan HK$79.16M · min. income ≈ HK$846,684/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$3,738,321 · Scale 2, in force from 26 Feb 2026)