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$190,096
−HK$11,921/mo
▼ 0.25% · 3.875%
HK$196,009
−HK$6,008/mo
Today · 4.125%
HK$202,017
baseline
▲ 0.50% · 4.625%
HK$214,309
+HK$12,292/mo
Deposit HK$41.68M · loan HK$41.68M · min. income ≈ HK$404,034/mo (50% DSR)
Upfront cash ≈ HK$45.23M (deposit + AVD stamp duty HK$3,543,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,480
−HK$11,426/mo
▼ 0.25% · 3.875%
HK$217,152
−HK$5,754/mo
Today · 4.125%
HK$222,906
baseline
▲ 0.50% · 4.625%
HK$234,655
+HK$11,749/mo
Deposit HK$41.68M · loan HK$41.68M · min. income ≈ HK$445,812/mo (50% DSR)
Upfront cash ≈ HK$45.23M (deposit + AVD stamp duty HK$3,543,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,115
−HK$14,305/mo
▼ 0.25% · 3.875%
HK$235,211
−HK$7,209/mo
Today · 4.125%
HK$242,420
baseline
▲ 0.50% · 4.625%
HK$257,171
+HK$14,751/mo
Deposit HK$33.35M · loan HK$50.02M · min. income ≈ HK$484,840/mo (50% DSR)
Upfront cash ≈ HK$36.89M (deposit + AVD stamp duty HK$3,543,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,776
−HK$13,711/mo
▼ 0.25% · 3.875%
HK$260,582
−HK$6,905/mo
Today · 4.125%
HK$267,487
baseline
▲ 0.50% · 4.625%
HK$281,587
+HK$14,100/mo
Deposit HK$33.35M · loan HK$50.02M · min. income ≈ HK$534,974/mo (50% DSR)
Upfront cash ≈ HK$36.89M (deposit + AVD stamp duty HK$3,543,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,135
−HK$16,689/mo
▼ 0.25% · 3.875%
HK$274,413
−HK$8,411/mo
Today · 4.125%
HK$282,824
baseline
▲ 0.50% · 4.625%
HK$300,033
+HK$17,209/mo
Deposit HK$25.01M · loan HK$58.36M · min. income ≈ HK$565,648/mo (50% DSR)
Upfront cash ≈ HK$28.55M (deposit + AVD stamp duty HK$3,543,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,072
−HK$15,996/mo
▼ 0.25% · 3.875%
HK$304,013
−HK$8,055/mo
Today · 4.125%
HK$312,068
baseline
▲ 0.50% · 4.625%
HK$328,518
+HK$16,450/mo
Deposit HK$25.01M · loan HK$58.36M · min. income ≈ HK$624,136/mo (50% DSR)
Upfront cash ≈ HK$28.55M (deposit + AVD stamp duty HK$3,543,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$342,173
−HK$21,458/mo
▼ 0.25% · 3.875%
HK$352,817
−HK$10,814/mo
Today · 4.125%
HK$363,631
baseline
▲ 0.50% · 4.625%
HK$385,757
+HK$22,126/mo
Deposit HK$8.34M · loan HK$75.03M · min. income ≈ HK$727,262/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$3,543,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$380,664
−HK$20,566/mo
▼ 0.25% · 3.875%
HK$390,874
−HK$10,356/mo
Today · 4.125%
HK$401,230
baseline
▲ 0.50% · 4.625%
HK$422,380
+HK$21,150/mo
Deposit HK$8.34M · loan HK$75.03M · min. income ≈ HK$802,460/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$3,543,063 · Scale 2, in force from 26 Feb 2026)