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$192,169
−HK$12,051/mo
▼ 0.25% · 3.875%
HK$198,147
−HK$6,073/mo
Today · 4.125%
HK$204,220
baseline
▲ 0.50% · 4.625%
HK$216,646
+HK$12,426/mo
Deposit HK$42.14M · loan HK$42.14M · min. income ≈ HK$408,440/mo (50% DSR)
Upfront cash ≈ HK$45.72M (deposit + AVD stamp duty HK$3,581,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,786
−HK$11,551/mo
▼ 0.25% · 3.875%
HK$219,520
−HK$5,817/mo
Today · 4.125%
HK$225,337
baseline
▲ 0.50% · 4.625%
HK$237,214
+HK$11,877/mo
Deposit HK$42.14M · loan HK$42.14M · min. income ≈ HK$450,674/mo (50% DSR)
Upfront cash ≈ HK$45.72M (deposit + AVD stamp duty HK$3,581,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,603
−HK$14,461/mo
▼ 0.25% · 3.875%
HK$237,776
−HK$7,288/mo
Today · 4.125%
HK$245,064
baseline
▲ 0.50% · 4.625%
HK$259,976
+HK$14,912/mo
Deposit HK$33.71M · loan HK$50.57M · min. income ≈ HK$490,128/mo (50% DSR)
Upfront cash ≈ HK$37.29M (deposit + AVD stamp duty HK$3,581,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,544
−HK$13,860/mo
▼ 0.25% · 3.875%
HK$263,424
−HK$6,980/mo
Today · 4.125%
HK$270,404
baseline
▲ 0.50% · 4.625%
HK$284,657
+HK$14,253/mo
Deposit HK$33.71M · loan HK$50.57M · min. income ≈ HK$540,808/mo (50% DSR)
Upfront cash ≈ HK$37.29M (deposit + AVD stamp duty HK$3,581,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,037
−HK$16,871/mo
▼ 0.25% · 3.875%
HK$277,406
−HK$8,502/mo
Today · 4.125%
HK$285,908
baseline
▲ 0.50% · 4.625%
HK$303,305
+HK$17,397/mo
Deposit HK$25.28M · loan HK$58.99M · min. income ≈ HK$571,816/mo (50% DSR)
Upfront cash ≈ HK$28.86M (deposit + AVD stamp duty HK$3,581,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,301
−HK$16,170/mo
▼ 0.25% · 3.875%
HK$307,328
−HK$8,143/mo
Today · 4.125%
HK$315,471
baseline
▲ 0.50% · 4.625%
HK$332,100
+HK$16,629/mo
Deposit HK$25.28M · loan HK$58.99M · min. income ≈ HK$630,942/mo (50% DSR)
Upfront cash ≈ HK$28.86M (deposit + AVD stamp duty HK$3,581,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$345,905
−HK$21,691/mo
▼ 0.25% · 3.875%
HK$356,664
−HK$10,932/mo
Today · 4.125%
HK$367,596
baseline
▲ 0.50% · 4.625%
HK$389,963
+HK$22,367/mo
Deposit HK$8.43M · loan HK$75.85M · min. income ≈ HK$735,192/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$3,581,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$384,816
−HK$20,790/mo
▼ 0.25% · 3.875%
HK$395,136
−HK$10,470/mo
Today · 4.125%
HK$405,606
baseline
▲ 0.50% · 4.625%
HK$426,986
+HK$21,380/mo
Deposit HK$8.43M · loan HK$75.85M · min. income ≈ HK$811,212/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$3,581,701 · Scale 2, in force from 26 Feb 2026)