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$193,459
−HK$12,132/mo
▼ 0.25% · 3.875%
HK$199,477
−HK$6,114/mo
Today · 4.125%
HK$205,591
baseline
▲ 0.50% · 4.625%
HK$218,101
+HK$12,510/mo
Deposit HK$42.42M · loan HK$42.42M · min. income ≈ HK$411,182/mo (50% DSR)
Upfront cash ≈ HK$46.03M (deposit + AVD stamp duty HK$3,605,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,222
−HK$11,627/mo
▼ 0.25% · 3.875%
HK$220,994
−HK$5,855/mo
Today · 4.125%
HK$226,849
baseline
▲ 0.50% · 4.625%
HK$238,807
+HK$11,958/mo
Deposit HK$42.42M · loan HK$42.42M · min. income ≈ HK$453,698/mo (50% DSR)
Upfront cash ≈ HK$46.03M (deposit + AVD stamp duty HK$3,605,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,151
−HK$14,558/mo
▼ 0.25% · 3.875%
HK$239,372
−HK$7,337/mo
Today · 4.125%
HK$246,709
baseline
▲ 0.50% · 4.625%
HK$261,721
+HK$15,012/mo
Deposit HK$33.94M · loan HK$50.90M · min. income ≈ HK$493,418/mo (50% DSR)
Upfront cash ≈ HK$37.54M (deposit + AVD stamp duty HK$3,605,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,266
−HK$13,953/mo
▼ 0.25% · 3.875%
HK$265,192
−HK$7,027/mo
Today · 4.125%
HK$272,219
baseline
▲ 0.50% · 4.625%
HK$286,568
+HK$14,349/mo
Deposit HK$33.94M · loan HK$50.90M · min. income ≈ HK$544,438/mo (50% DSR)
Upfront cash ≈ HK$37.54M (deposit + AVD stamp duty HK$3,605,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,843
−HK$16,984/mo
▼ 0.25% · 3.875%
HK$279,268
−HK$8,559/mo
Today · 4.125%
HK$287,827
baseline
▲ 0.50% · 4.625%
HK$305,341
+HK$17,514/mo
Deposit HK$25.45M · loan HK$59.39M · min. income ≈ HK$575,654/mo (50% DSR)
Upfront cash ≈ HK$29.06M (deposit + AVD stamp duty HK$3,605,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,310
−HK$16,279/mo
▼ 0.25% · 3.875%
HK$309,391
−HK$8,198/mo
Today · 4.125%
HK$317,589
baseline
▲ 0.50% · 4.625%
HK$334,330
+HK$16,741/mo
Deposit HK$25.45M · loan HK$59.39M · min. income ≈ HK$635,178/mo (50% DSR)
Upfront cash ≈ HK$29.06M (deposit + AVD stamp duty HK$3,605,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$348,227
−HK$21,837/mo
▼ 0.25% · 3.875%
HK$359,059
−HK$11,005/mo
Today · 4.125%
HK$370,064
baseline
▲ 0.50% · 4.625%
HK$392,581
+HK$22,517/mo
Deposit HK$8.48M · loan HK$76.36M · min. income ≈ HK$740,128/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$3,605,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$387,399
−HK$20,930/mo
▼ 0.25% · 3.875%
HK$397,789
−HK$10,540/mo
Today · 4.125%
HK$408,329
baseline
▲ 0.50% · 4.625%
HK$429,852
+HK$21,523/mo
Deposit HK$8.48M · loan HK$76.36M · min. income ≈ HK$816,658/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$3,605,745 · Scale 2, in force from 26 Feb 2026)