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$180,403
−HK$11,313/mo
▼ 0.25% · 3.875%
HK$186,015
−HK$5,701/mo
Today · 4.125%
HK$191,716
baseline
▲ 0.50% · 4.625%
HK$203,381
+HK$11,665/mo
Deposit HK$39.56M · loan HK$39.56M · min. income ≈ HK$383,432/mo (50% DSR)
Upfront cash ≈ HK$42.92M (deposit + AVD stamp duty HK$3,362,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,696
−HK$10,843/mo
▼ 0.25% · 3.875%
HK$206,079
−HK$5,460/mo
Today · 4.125%
HK$211,539
baseline
▲ 0.50% · 4.625%
HK$222,690
+HK$11,151/mo
Deposit HK$39.56M · loan HK$39.56M · min. income ≈ HK$423,078/mo (50% DSR)
Upfront cash ≈ HK$42.92M (deposit + AVD stamp duty HK$3,362,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,484
−HK$13,575/mo
▼ 0.25% · 3.875%
HK$223,217
−HK$6,842/mo
Today · 4.125%
HK$230,059
baseline
▲ 0.50% · 4.625%
HK$244,058
+HK$13,999/mo
Deposit HK$31.65M · loan HK$47.47M · min. income ≈ HK$460,118/mo (50% DSR)
Upfront cash ≈ HK$35.01M (deposit + AVD stamp duty HK$3,362,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,836
−HK$13,011/mo
▼ 0.25% · 3.875%
HK$247,295
−HK$6,552/mo
Today · 4.125%
HK$253,847
baseline
▲ 0.50% · 4.625%
HK$267,228
+HK$13,381/mo
Deposit HK$31.65M · loan HK$47.47M · min. income ≈ HK$507,694/mo (50% DSR)
Upfront cash ≈ HK$35.01M (deposit + AVD stamp duty HK$3,362,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,564
−HK$15,838/mo
▼ 0.25% · 3.875%
HK$260,420
−HK$7,982/mo
Today · 4.125%
HK$268,402
baseline
▲ 0.50% · 4.625%
HK$284,734
+HK$16,332/mo
Deposit HK$23.73M · loan HK$55.38M · min. income ≈ HK$536,804/mo (50% DSR)
Upfront cash ≈ HK$27.10M (deposit + AVD stamp duty HK$3,362,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,975
−HK$15,180/mo
▼ 0.25% · 3.875%
HK$288,511
−HK$7,644/mo
Today · 4.125%
HK$296,155
baseline
▲ 0.50% · 4.625%
HK$311,766
+HK$15,611/mo
Deposit HK$23.73M · loan HK$55.38M · min. income ≈ HK$592,310/mo (50% DSR)
Upfront cash ≈ HK$27.10M (deposit + AVD stamp duty HK$3,362,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$324,725
−HK$20,363/mo
▼ 0.25% · 3.875%
HK$334,826
−HK$10,262/mo
Today · 4.125%
HK$345,088
baseline
▲ 0.50% · 4.625%
HK$366,086
+HK$20,998/mo
Deposit HK$7.91M · loan HK$71.20M · min. income ≈ HK$690,176/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$3,362,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$361,254
−HK$19,517/mo
▼ 0.25% · 3.875%
HK$370,942
−HK$9,829/mo
Today · 4.125%
HK$380,771
baseline
▲ 0.50% · 4.625%
HK$400,842
+HK$20,071/mo
Deposit HK$7.91M · loan HK$71.20M · min. income ≈ HK$761,542/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$3,362,397 · Scale 2, in force from 26 Feb 2026)