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$188,053
−HK$11,792/mo
▼ 0.25% · 3.875%
HK$193,902
−HK$5,943/mo
Today · 4.125%
HK$199,845
baseline
▲ 0.50% · 4.625%
HK$212,006
+HK$12,161/mo
Deposit HK$41.24M · loan HK$41.24M · min. income ≈ HK$399,690/mo (50% DSR)
Upfront cash ≈ HK$44.74M (deposit + AVD stamp duty HK$3,504,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,207
−HK$11,303/mo
▼ 0.25% · 3.875%
HK$214,818
−HK$5,692/mo
Today · 4.125%
HK$220,510
baseline
▲ 0.50% · 4.625%
HK$232,133
+HK$11,623/mo
Deposit HK$41.24M · loan HK$41.24M · min. income ≈ HK$441,020/mo (50% DSR)
Upfront cash ≈ HK$44.74M (deposit + AVD stamp duty HK$3,504,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,663
−HK$14,152/mo
▼ 0.25% · 3.875%
HK$232,683
−HK$7,132/mo
Today · 4.125%
HK$239,815
baseline
▲ 0.50% · 4.625%
HK$254,407
+HK$14,592/mo
Deposit HK$32.99M · loan HK$49.48M · min. income ≈ HK$479,630/mo (50% DSR)
Upfront cash ≈ HK$36.49M (deposit + AVD stamp duty HK$3,504,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,048
−HK$13,564/mo
▼ 0.25% · 3.875%
HK$257,781
−HK$6,831/mo
Today · 4.125%
HK$264,612
baseline
▲ 0.50% · 4.625%
HK$278,560
+HK$13,948/mo
Deposit HK$32.99M · loan HK$49.48M · min. income ≈ HK$529,224/mo (50% DSR)
Upfront cash ≈ HK$36.49M (deposit + AVD stamp duty HK$3,504,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,274
−HK$16,510/mo
▼ 0.25% · 3.875%
HK$271,463
−HK$8,321/mo
Today · 4.125%
HK$279,784
baseline
▲ 0.50% · 4.625%
HK$296,808
+HK$17,024/mo
Deposit HK$24.74M · loan HK$57.73M · min. income ≈ HK$559,568/mo (50% DSR)
Upfront cash ≈ HK$28.25M (deposit + AVD stamp duty HK$3,504,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,890
−HK$15,824/mo
▼ 0.25% · 3.875%
HK$300,745
−HK$7,969/mo
Today · 4.125%
HK$308,714
baseline
▲ 0.50% · 4.625%
HK$324,986
+HK$16,272/mo
Deposit HK$24.74M · loan HK$57.73M · min. income ≈ HK$617,428/mo (50% DSR)
Upfront cash ≈ HK$28.25M (deposit + AVD stamp duty HK$3,504,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$338,495
−HK$21,227/mo
▼ 0.25% · 3.875%
HK$349,024
−HK$10,698/mo
Today · 4.125%
HK$359,722
baseline
▲ 0.50% · 4.625%
HK$381,610
+HK$21,888/mo
Deposit HK$8.25M · loan HK$74.22M · min. income ≈ HK$719,444/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$3,504,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$376,572
−HK$20,346/mo
▼ 0.25% · 3.875%
HK$386,672
−HK$10,246/mo
Today · 4.125%
HK$396,918
baseline
▲ 0.50% · 4.625%
HK$417,840
+HK$20,922/mo
Deposit HK$8.25M · loan HK$74.22M · min. income ≈ HK$793,836/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$3,504,978 · Scale 2, in force from 26 Feb 2026)