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$195,126
−HK$12,236/mo
▼ 0.25% · 3.875%
HK$201,196
−HK$6,166/mo
Today · 4.125%
HK$207,362
baseline
▲ 0.50% · 4.625%
HK$219,980
+HK$12,618/mo
Deposit HK$42.79M · loan HK$42.79M · min. income ≈ HK$414,724/mo (50% DSR)
Upfront cash ≈ HK$46.42M (deposit + AVD stamp duty HK$3,636,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,076
−HK$11,728/mo
▼ 0.25% · 3.875%
HK$222,898
−HK$5,906/mo
Today · 4.125%
HK$228,804
baseline
▲ 0.50% · 4.625%
HK$240,864
+HK$12,060/mo
Deposit HK$42.79M · loan HK$42.79M · min. income ≈ HK$457,608/mo (50% DSR)
Upfront cash ≈ HK$46.42M (deposit + AVD stamp duty HK$3,636,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,151
−HK$14,684/mo
▼ 0.25% · 3.875%
HK$241,435
−HK$7,400/mo
Today · 4.125%
HK$248,835
baseline
▲ 0.50% · 4.625%
HK$263,976
+HK$15,141/mo
Deposit HK$34.23M · loan HK$51.34M · min. income ≈ HK$497,670/mo (50% DSR)
Upfront cash ≈ HK$37.87M (deposit + AVD stamp duty HK$3,636,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,491
−HK$14,074/mo
▼ 0.25% · 3.875%
HK$267,477
−HK$7,088/mo
Today · 4.125%
HK$274,565
baseline
▲ 0.50% · 4.625%
HK$289,037
+HK$14,472/mo
Deposit HK$34.23M · loan HK$51.34M · min. income ≈ HK$549,130/mo (50% DSR)
Upfront cash ≈ HK$37.87M (deposit + AVD stamp duty HK$3,636,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,177
−HK$17,130/mo
▼ 0.25% · 3.875%
HK$281,674
−HK$8,633/mo
Today · 4.125%
HK$290,307
baseline
▲ 0.50% · 4.625%
HK$307,972
+HK$17,665/mo
Deposit HK$25.67M · loan HK$59.90M · min. income ≈ HK$580,614/mo (50% DSR)
Upfront cash ≈ HK$29.31M (deposit + AVD stamp duty HK$3,636,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,906
−HK$16,419/mo
▼ 0.25% · 3.875%
HK$312,057
−HK$8,268/mo
Today · 4.125%
HK$320,325
baseline
▲ 0.50% · 4.625%
HK$337,210
+HK$16,885/mo
Deposit HK$25.67M · loan HK$59.90M · min. income ≈ HK$640,650/mo (50% DSR)
Upfront cash ≈ HK$29.31M (deposit + AVD stamp duty HK$3,636,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$351,227
−HK$22,025/mo
▼ 0.25% · 3.875%
HK$362,152
−HK$11,100/mo
Today · 4.125%
HK$373,252
baseline
▲ 0.50% · 4.625%
HK$395,964
+HK$22,712/mo
Deposit HK$8.56M · loan HK$77.01M · min. income ≈ HK$746,504/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$3,636,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$390,737
−HK$21,110/mo
▼ 0.25% · 3.875%
HK$401,216
−HK$10,631/mo
Today · 4.125%
HK$411,847
baseline
▲ 0.50% · 4.625%
HK$433,556
+HK$21,709/mo
Deposit HK$8.56M · loan HK$77.01M · min. income ≈ HK$823,694/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$3,636,811 · Scale 2, in force from 26 Feb 2026)