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$180,519
−HK$11,321/mo
▼ 0.25% · 3.875%
HK$186,135
−HK$5,705/mo
Today · 4.125%
HK$191,840
baseline
▲ 0.50% · 4.625%
HK$203,513
+HK$11,673/mo
Deposit HK$39.58M · loan HK$39.58M · min. income ≈ HK$383,680/mo (50% DSR)
Upfront cash ≈ HK$42.95M (deposit + AVD stamp duty HK$3,364,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,826
−HK$10,850/mo
▼ 0.25% · 3.875%
HK$206,212
−HK$5,464/mo
Today · 4.125%
HK$211,676
baseline
▲ 0.50% · 4.625%
HK$222,834
+HK$11,158/mo
Deposit HK$39.58M · loan HK$39.58M · min. income ≈ HK$423,352/mo (50% DSR)
Upfront cash ≈ HK$42.95M (deposit + AVD stamp duty HK$3,364,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,623
−HK$13,585/mo
▼ 0.25% · 3.875%
HK$223,362
−HK$6,846/mo
Today · 4.125%
HK$230,208
baseline
▲ 0.50% · 4.625%
HK$244,215
+HK$14,007/mo
Deposit HK$31.67M · loan HK$47.50M · min. income ≈ HK$460,416/mo (50% DSR)
Upfront cash ≈ HK$35.03M (deposit + AVD stamp duty HK$3,364,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,991
−HK$13,020/mo
▼ 0.25% · 3.875%
HK$247,455
−HK$6,556/mo
Today · 4.125%
HK$254,011
baseline
▲ 0.50% · 4.625%
HK$267,401
+HK$13,390/mo
Deposit HK$31.67M · loan HK$47.50M · min. income ≈ HK$508,022/mo (50% DSR)
Upfront cash ≈ HK$35.03M (deposit + AVD stamp duty HK$3,364,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,727
−HK$15,849/mo
▼ 0.25% · 3.875%
HK$260,589
−HK$7,987/mo
Today · 4.125%
HK$268,576
baseline
▲ 0.50% · 4.625%
HK$284,918
+HK$16,342/mo
Deposit HK$23.75M · loan HK$55.42M · min. income ≈ HK$537,152/mo (50% DSR)
Upfront cash ≈ HK$27.11M (deposit + AVD stamp duty HK$3,364,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,157
−HK$15,190/mo
▼ 0.25% · 3.875%
HK$288,697
−HK$7,650/mo
Today · 4.125%
HK$296,347
baseline
▲ 0.50% · 4.625%
HK$311,967
+HK$15,620/mo
Deposit HK$23.75M · loan HK$55.42M · min. income ≈ HK$592,694/mo (50% DSR)
Upfront cash ≈ HK$27.11M (deposit + AVD stamp duty HK$3,364,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$324,935
−HK$20,376/mo
▼ 0.25% · 3.875%
HK$335,042
−HK$10,269/mo
Today · 4.125%
HK$345,311
baseline
▲ 0.50% · 4.625%
HK$366,323
+HK$21,012/mo
Deposit HK$7.92M · loan HK$71.25M · min. income ≈ HK$690,622/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$3,364,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$361,487
−HK$19,530/mo
▼ 0.25% · 3.875%
HK$371,182
−HK$9,835/mo
Today · 4.125%
HK$381,017
baseline
▲ 0.50% · 4.625%
HK$401,101
+HK$20,084/mo
Deposit HK$7.92M · loan HK$71.25M · min. income ≈ HK$762,034/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$3,364,569 · Scale 2, in force from 26 Feb 2026)