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$181,595
−HK$11,388/mo
▼ 0.25% · 3.875%
HK$187,244
−HK$5,739/mo
Today · 4.125%
HK$192,983
baseline
▲ 0.50% · 4.625%
HK$204,725
+HK$11,742/mo
Deposit HK$39.82M · loan HK$39.82M · min. income ≈ HK$385,966/mo (50% DSR)
Upfront cash ≈ HK$43.20M (deposit + AVD stamp duty HK$3,384,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,023
−HK$10,914/mo
▼ 0.25% · 3.875%
HK$207,441
−HK$5,496/mo
Today · 4.125%
HK$212,937
baseline
▲ 0.50% · 4.625%
HK$224,161
+HK$11,224/mo
Deposit HK$39.82M · loan HK$39.82M · min. income ≈ HK$425,874/mo (50% DSR)
Upfront cash ≈ HK$43.20M (deposit + AVD stamp duty HK$3,384,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,914
−HK$13,665/mo
▼ 0.25% · 3.875%
HK$224,692
−HK$6,887/mo
Today · 4.125%
HK$231,579
baseline
▲ 0.50% · 4.625%
HK$245,670
+HK$14,091/mo
Deposit HK$31.86M · loan HK$47.78M · min. income ≈ HK$463,158/mo (50% DSR)
Upfront cash ≈ HK$35.24M (deposit + AVD stamp duty HK$3,384,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,427
−HK$13,098/mo
▼ 0.25% · 3.875%
HK$248,929
−HK$6,596/mo
Today · 4.125%
HK$255,525
baseline
▲ 0.50% · 4.625%
HK$268,994
+HK$13,469/mo
Deposit HK$31.86M · loan HK$47.78M · min. income ≈ HK$511,050/mo (50% DSR)
Upfront cash ≈ HK$35.24M (deposit + AVD stamp duty HK$3,384,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,233
−HK$15,943/mo
▼ 0.25% · 3.875%
HK$262,141
−HK$8,035/mo
Today · 4.125%
HK$270,176
baseline
▲ 0.50% · 4.625%
HK$286,615
+HK$16,439/mo
Deposit HK$23.89M · loan HK$55.75M · min. income ≈ HK$540,352/mo (50% DSR)
Upfront cash ≈ HK$27.28M (deposit + AVD stamp duty HK$3,384,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,832
−HK$15,280/mo
▼ 0.25% · 3.875%
HK$290,417
−HK$7,695/mo
Today · 4.125%
HK$298,112
baseline
▲ 0.50% · 4.625%
HK$313,826
+HK$15,714/mo
Deposit HK$23.89M · loan HK$55.75M · min. income ≈ HK$596,224/mo (50% DSR)
Upfront cash ≈ HK$27.28M (deposit + AVD stamp duty HK$3,384,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$326,871
−HK$20,498/mo
▼ 0.25% · 3.875%
HK$337,038
−HK$10,331/mo
Today · 4.125%
HK$347,369
baseline
▲ 0.50% · 4.625%
HK$368,505
+HK$21,136/mo
Deposit HK$7.96M · loan HK$71.67M · min. income ≈ HK$694,738/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$3,384,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$363,641
−HK$19,646/mo
▼ 0.25% · 3.875%
HK$373,393
−HK$9,894/mo
Today · 4.125%
HK$383,287
baseline
▲ 0.50% · 4.625%
HK$403,491
+HK$20,204/mo
Deposit HK$7.96M · loan HK$71.67M · min. income ≈ HK$766,574/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$3,384,613 · Scale 2, in force from 26 Feb 2026)