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$180,825
−HK$11,340/mo
▼ 0.25% · 3.875%
HK$186,450
−HK$5,715/mo
Today · 4.125%
HK$192,165
baseline
▲ 0.50% · 4.625%
HK$203,858
+HK$11,693/mo
Deposit HK$39.65M · loan HK$39.65M · min. income ≈ HK$384,330/mo (50% DSR)
Upfront cash ≈ HK$43.02M (deposit + AVD stamp duty HK$3,370,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,166
−HK$10,869/mo
▼ 0.25% · 3.875%
HK$206,562
−HK$5,473/mo
Today · 4.125%
HK$212,035
baseline
▲ 0.50% · 4.625%
HK$223,212
+HK$11,177/mo
Deposit HK$39.65M · loan HK$39.65M · min. income ≈ HK$424,070/mo (50% DSR)
Upfront cash ≈ HK$43.02M (deposit + AVD stamp duty HK$3,370,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,991
−HK$13,607/mo
▼ 0.25% · 3.875%
HK$223,740
−HK$6,858/mo
Today · 4.125%
HK$230,598
baseline
▲ 0.50% · 4.625%
HK$244,629
+HK$14,031/mo
Deposit HK$31.72M · loan HK$47.58M · min. income ≈ HK$461,196/mo (50% DSR)
Upfront cash ≈ HK$35.09M (deposit + AVD stamp duty HK$3,370,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,400
−HK$13,042/mo
▼ 0.25% · 3.875%
HK$247,874
−HK$6,568/mo
Today · 4.125%
HK$254,442
baseline
▲ 0.50% · 4.625%
HK$267,854
+HK$13,412/mo
Deposit HK$31.72M · loan HK$47.58M · min. income ≈ HK$508,884/mo (50% DSR)
Upfront cash ≈ HK$35.09M (deposit + AVD stamp duty HK$3,370,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,156
−HK$15,875/mo
▼ 0.25% · 3.875%
HK$261,030
−HK$8,001/mo
Today · 4.125%
HK$269,031
baseline
▲ 0.50% · 4.625%
HK$285,401
+HK$16,370/mo
Deposit HK$23.79M · loan HK$55.51M · min. income ≈ HK$538,062/mo (50% DSR)
Upfront cash ≈ HK$27.16M (deposit + AVD stamp duty HK$3,370,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,633
−HK$15,216/mo
▼ 0.25% · 3.875%
HK$289,186
−HK$7,663/mo
Today · 4.125%
HK$296,849
baseline
▲ 0.50% · 4.625%
HK$312,496
+HK$15,647/mo
Deposit HK$23.79M · loan HK$55.51M · min. income ≈ HK$593,698/mo (50% DSR)
Upfront cash ≈ HK$27.16M (deposit + AVD stamp duty HK$3,370,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$325,486
−HK$20,411/mo
▼ 0.25% · 3.875%
HK$335,610
−HK$10,287/mo
Today · 4.125%
HK$345,897
baseline
▲ 0.50% · 4.625%
HK$366,944
+HK$21,047/mo
Deposit HK$7.93M · loan HK$71.37M · min. income ≈ HK$691,794/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$3,370,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$362,100
−HK$19,563/mo
▼ 0.25% · 3.875%
HK$371,811
−HK$9,852/mo
Today · 4.125%
HK$381,663
baseline
▲ 0.50% · 4.625%
HK$401,781
+HK$20,118/mo
Deposit HK$7.93M · loan HK$71.37M · min. income ≈ HK$763,326/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$3,370,271 · Scale 2, in force from 26 Feb 2026)