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$189,762
−HK$11,900/mo
▼ 0.25% · 3.875%
HK$195,665
−HK$5,997/mo
Today · 4.125%
HK$201,662
baseline
▲ 0.50% · 4.625%
HK$213,933
+HK$12,271/mo
Deposit HK$41.61M · loan HK$41.61M · min. income ≈ HK$403,324/mo (50% DSR)
Upfront cash ≈ HK$45.15M (deposit + AVD stamp duty HK$3,536,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,109
−HK$11,405/mo
▼ 0.25% · 3.875%
HK$216,770
−HK$5,744/mo
Today · 4.125%
HK$222,514
baseline
▲ 0.50% · 4.625%
HK$234,243
+HK$11,729/mo
Deposit HK$41.61M · loan HK$41.61M · min. income ≈ HK$445,028/mo (50% DSR)
Upfront cash ≈ HK$45.15M (deposit + AVD stamp duty HK$3,536,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,715
−HK$14,279/mo
▼ 0.25% · 3.875%
HK$234,798
−HK$7,196/mo
Today · 4.125%
HK$241,994
baseline
▲ 0.50% · 4.625%
HK$256,719
+HK$14,725/mo
Deposit HK$33.29M · loan HK$49.93M · min. income ≈ HK$483,988/mo (50% DSR)
Upfront cash ≈ HK$36.82M (deposit + AVD stamp duty HK$3,536,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,330
−HK$13,687/mo
▼ 0.25% · 3.875%
HK$260,125
−HK$6,892/mo
Today · 4.125%
HK$267,017
baseline
▲ 0.50% · 4.625%
HK$281,092
+HK$14,075/mo
Deposit HK$33.29M · loan HK$49.93M · min. income ≈ HK$534,034/mo (50% DSR)
Upfront cash ≈ HK$36.82M (deposit + AVD stamp duty HK$3,536,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,667
−HK$16,660/mo
▼ 0.25% · 3.875%
HK$273,931
−HK$8,396/mo
Today · 4.125%
HK$282,327
baseline
▲ 0.50% · 4.625%
HK$299,506
+HK$17,179/mo
Deposit HK$24.97M · loan HK$58.25M · min. income ≈ HK$564,654/mo (50% DSR)
Upfront cash ≈ HK$28.50M (deposit + AVD stamp duty HK$3,536,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,552
−HK$15,968/mo
▼ 0.25% · 3.875%
HK$303,479
−HK$8,041/mo
Today · 4.125%
HK$311,520
baseline
▲ 0.50% · 4.625%
HK$327,941
+HK$16,421/mo
Deposit HK$24.97M · loan HK$58.25M · min. income ≈ HK$623,040/mo (50% DSR)
Upfront cash ≈ HK$28.50M (deposit + AVD stamp duty HK$3,536,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$341,572
−HK$21,420/mo
▼ 0.25% · 3.875%
HK$352,197
−HK$10,795/mo
Today · 4.125%
HK$362,992
baseline
▲ 0.50% · 4.625%
HK$385,079
+HK$22,087/mo
Deposit HK$8.32M · loan HK$74.90M · min. income ≈ HK$725,984/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$3,536,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$379,996
−HK$20,530/mo
▼ 0.25% · 3.875%
HK$390,187
−HK$10,339/mo
Today · 4.125%
HK$400,526
baseline
▲ 0.50% · 4.625%
HK$421,638
+HK$21,112/mo
Deposit HK$8.32M · loan HK$74.90M · min. income ≈ HK$801,052/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$3,536,839 · Scale 2, in force from 26 Feb 2026)