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$190,152
−HK$11,925/mo
▼ 0.25% · 3.875%
HK$196,067
−HK$6,010/mo
Today · 4.125%
HK$202,077
baseline
▲ 0.50% · 4.625%
HK$214,372
+HK$12,295/mo
Deposit HK$41.70M · loan HK$41.70M · min. income ≈ HK$404,154/mo (50% DSR)
Upfront cash ≈ HK$45.24M (deposit + AVD stamp duty HK$3,544,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,543
−HK$11,428/mo
▼ 0.25% · 3.875%
HK$217,216
−HK$5,755/mo
Today · 4.125%
HK$222,971
baseline
▲ 0.50% · 4.625%
HK$234,725
+HK$11,754/mo
Deposit HK$41.70M · loan HK$41.70M · min. income ≈ HK$445,942/mo (50% DSR)
Upfront cash ≈ HK$45.24M (deposit + AVD stamp duty HK$3,544,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,183
−HK$14,309/mo
▼ 0.25% · 3.875%
HK$235,281
−HK$7,211/mo
Today · 4.125%
HK$242,492
baseline
▲ 0.50% · 4.625%
HK$257,247
+HK$14,755/mo
Deposit HK$33.36M · loan HK$50.03M · min. income ≈ HK$484,984/mo (50% DSR)
Upfront cash ≈ HK$36.90M (deposit + AVD stamp duty HK$3,544,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,851
−HK$13,715/mo
▼ 0.25% · 3.875%
HK$260,659
−HK$6,907/mo
Today · 4.125%
HK$267,566
baseline
▲ 0.50% · 4.625%
HK$281,670
+HK$14,104/mo
Deposit HK$33.36M · loan HK$50.03M · min. income ≈ HK$535,132/mo (50% DSR)
Upfront cash ≈ HK$36.90M (deposit + AVD stamp duty HK$3,544,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,213
−HK$16,694/mo
▼ 0.25% · 3.875%
HK$274,494
−HK$8,413/mo
Today · 4.125%
HK$282,907
baseline
▲ 0.50% · 4.625%
HK$300,121
+HK$17,214/mo
Deposit HK$25.02M · loan HK$58.37M · min. income ≈ HK$565,814/mo (50% DSR)
Upfront cash ≈ HK$28.56M (deposit + AVD stamp duty HK$3,544,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,160
−HK$16,000/mo
▼ 0.25% · 3.875%
HK$304,102
−HK$8,058/mo
Today · 4.125%
HK$312,160
baseline
▲ 0.50% · 4.625%
HK$328,614
+HK$16,454/mo
Deposit HK$25.02M · loan HK$58.37M · min. income ≈ HK$624,320/mo (50% DSR)
Upfront cash ≈ HK$28.56M (deposit + AVD stamp duty HK$3,544,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$342,274
−HK$21,464/mo
▼ 0.25% · 3.875%
HK$352,921
−HK$10,817/mo
Today · 4.125%
HK$363,738
baseline
▲ 0.50% · 4.625%
HK$385,870
+HK$22,132/mo
Deposit HK$8.34M · loan HK$75.05M · min. income ≈ HK$727,476/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$3,544,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$380,777
−HK$20,572/mo
▼ 0.25% · 3.875%
HK$390,989
−HK$10,360/mo
Today · 4.125%
HK$401,349
baseline
▲ 0.50% · 4.625%
HK$422,504
+HK$21,155/mo
Deposit HK$8.34M · loan HK$75.05M · min. income ≈ HK$802,698/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$3,544,107 · Scale 2, in force from 26 Feb 2026)