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$193,783
−HK$12,152/mo
▼ 0.25% · 3.875%
HK$199,811
−HK$6,124/mo
Today · 4.125%
HK$205,935
baseline
▲ 0.50% · 4.625%
HK$218,466
+HK$12,531/mo
Deposit HK$42.49M · loan HK$42.49M · min. income ≈ HK$411,870/mo (50% DSR)
Upfront cash ≈ HK$46.10M (deposit + AVD stamp duty HK$3,611,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,582
−HK$11,647/mo
▼ 0.25% · 3.875%
HK$221,364
−HK$5,865/mo
Today · 4.125%
HK$227,229
baseline
▲ 0.50% · 4.625%
HK$239,207
+HK$11,978/mo
Deposit HK$42.49M · loan HK$42.49M · min. income ≈ HK$454,458/mo (50% DSR)
Upfront cash ≈ HK$46.10M (deposit + AVD stamp duty HK$3,611,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,540
−HK$14,582/mo
▼ 0.25% · 3.875%
HK$239,773
−HK$7,349/mo
Today · 4.125%
HK$247,122
baseline
▲ 0.50% · 4.625%
HK$262,159
+HK$15,037/mo
Deposit HK$33.99M · loan HK$50.99M · min. income ≈ HK$494,244/mo (50% DSR)
Upfront cash ≈ HK$37.61M (deposit + AVD stamp duty HK$3,611,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,698
−HK$13,977/mo
▼ 0.25% · 3.875%
HK$265,637
−HK$7,038/mo
Today · 4.125%
HK$272,675
baseline
▲ 0.50% · 4.625%
HK$287,048
+HK$14,373/mo
Deposit HK$33.99M · loan HK$50.99M · min. income ≈ HK$545,350/mo (50% DSR)
Upfront cash ≈ HK$37.61M (deposit + AVD stamp duty HK$3,611,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,297
−HK$17,012/mo
▼ 0.25% · 3.875%
HK$279,736
−HK$8,573/mo
Today · 4.125%
HK$288,309
baseline
▲ 0.50% · 4.625%
HK$305,852
+HK$17,543/mo
Deposit HK$25.49M · loan HK$59.49M · min. income ≈ HK$576,618/mo (50% DSR)
Upfront cash ≈ HK$29.11M (deposit + AVD stamp duty HK$3,611,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,815
−HK$16,306/mo
▼ 0.25% · 3.875%
HK$309,909
−HK$8,212/mo
Today · 4.125%
HK$318,121
baseline
▲ 0.50% · 4.625%
HK$334,890
+HK$16,769/mo
Deposit HK$25.49M · loan HK$59.49M · min. income ≈ HK$636,242/mo (50% DSR)
Upfront cash ≈ HK$29.11M (deposit + AVD stamp duty HK$3,611,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$348,810
−HK$21,873/mo
▼ 0.25% · 3.875%
HK$359,660
−HK$11,023/mo
Today · 4.125%
HK$370,683
baseline
▲ 0.50% · 4.625%
HK$393,239
+HK$22,556/mo
Deposit HK$8.50M · loan HK$76.48M · min. income ≈ HK$741,366/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$3,611,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$388,048
−HK$20,965/mo
▼ 0.25% · 3.875%
HK$398,455
−HK$10,558/mo
Today · 4.125%
HK$409,013
baseline
▲ 0.50% · 4.625%
HK$430,572
+HK$21,559/mo
Deposit HK$8.50M · loan HK$76.48M · min. income ≈ HK$818,026/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$3,611,784 · Scale 2, in force from 26 Feb 2026)