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$187,584
−HK$11,763/mo
▼ 0.25% · 3.875%
HK$193,419
−HK$5,928/mo
Today · 4.125%
HK$199,347
baseline
▲ 0.50% · 4.625%
HK$211,477
+HK$12,130/mo
Deposit HK$41.13M · loan HK$41.13M · min. income ≈ HK$398,694/mo (50% DSR)
Upfront cash ≈ HK$44.63M (deposit + AVD stamp duty HK$3,496,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,685
−HK$11,275/mo
▼ 0.25% · 3.875%
HK$214,282
−HK$5,678/mo
Today · 4.125%
HK$219,960
baseline
▲ 0.50% · 4.625%
HK$231,554
+HK$11,594/mo
Deposit HK$41.13M · loan HK$41.13M · min. income ≈ HK$439,920/mo (50% DSR)
Upfront cash ≈ HK$44.63M (deposit + AVD stamp duty HK$3,496,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,101
−HK$14,116/mo
▼ 0.25% · 3.875%
HK$232,103
−HK$7,114/mo
Today · 4.125%
HK$239,217
baseline
▲ 0.50% · 4.625%
HK$253,773
+HK$14,556/mo
Deposit HK$32.91M · loan HK$49.36M · min. income ≈ HK$478,434/mo (50% DSR)
Upfront cash ≈ HK$36.40M (deposit + AVD stamp duty HK$3,496,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,423
−HK$13,529/mo
▼ 0.25% · 3.875%
HK$257,139
−HK$6,813/mo
Today · 4.125%
HK$263,952
baseline
▲ 0.50% · 4.625%
HK$277,865
+HK$13,913/mo
Deposit HK$32.91M · loan HK$49.36M · min. income ≈ HK$527,904/mo (50% DSR)
Upfront cash ≈ HK$36.40M (deposit + AVD stamp duty HK$3,496,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,618
−HK$16,468/mo
▼ 0.25% · 3.875%
HK$270,787
−HK$8,299/mo
Today · 4.125%
HK$279,086
baseline
▲ 0.50% · 4.625%
HK$296,068
+HK$16,982/mo
Deposit HK$24.68M · loan HK$57.59M · min. income ≈ HK$558,172/mo (50% DSR)
Upfront cash ≈ HK$28.18M (deposit + AVD stamp duty HK$3,496,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,160
−HK$15,784/mo
▼ 0.25% · 3.875%
HK$299,995
−HK$7,949/mo
Today · 4.125%
HK$307,944
baseline
▲ 0.50% · 4.625%
HK$324,176
+HK$16,232/mo
Deposit HK$24.68M · loan HK$57.59M · min. income ≈ HK$615,888/mo (50% DSR)
Upfront cash ≈ HK$28.18M (deposit + AVD stamp duty HK$3,496,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$337,651
−HK$21,174/mo
▼ 0.25% · 3.875%
HK$348,154
−HK$10,671/mo
Today · 4.125%
HK$358,825
baseline
▲ 0.50% · 4.625%
HK$380,659
+HK$21,834/mo
Deposit HK$8.23M · loan HK$74.04M · min. income ≈ HK$717,650/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$3,496,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$375,634
−HK$20,294/mo
▼ 0.25% · 3.875%
HK$385,708
−HK$10,220/mo
Today · 4.125%
HK$395,928
baseline
▲ 0.50% · 4.625%
HK$416,798
+HK$20,870/mo
Deposit HK$8.23M · loan HK$74.04M · min. income ≈ HK$791,856/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$3,496,241 · Scale 2, in force from 26 Feb 2026)