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$193,806
−HK$12,154/mo
▼ 0.25% · 3.875%
HK$199,835
−HK$6,125/mo
Today · 4.125%
HK$205,960
baseline
▲ 0.50% · 4.625%
HK$218,492
+HK$12,532/mo
Deposit HK$42.50M · loan HK$42.50M · min. income ≈ HK$411,920/mo (50% DSR)
Upfront cash ≈ HK$46.11M (deposit + AVD stamp duty HK$3,612,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,607
−HK$11,649/mo
▼ 0.25% · 3.875%
HK$221,390
−HK$5,866/mo
Today · 4.125%
HK$227,256
baseline
▲ 0.50% · 4.625%
HK$239,235
+HK$11,979/mo
Deposit HK$42.50M · loan HK$42.50M · min. income ≈ HK$454,512/mo (50% DSR)
Upfront cash ≈ HK$46.11M (deposit + AVD stamp duty HK$3,612,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,567
−HK$14,584/mo
▼ 0.25% · 3.875%
HK$239,802
−HK$7,349/mo
Today · 4.125%
HK$247,151
baseline
▲ 0.50% · 4.625%
HK$262,190
+HK$15,039/mo
Deposit HK$34.00M · loan HK$51.00M · min. income ≈ HK$494,302/mo (50% DSR)
Upfront cash ≈ HK$37.61M (deposit + AVD stamp duty HK$3,612,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,729
−HK$13,978/mo
▼ 0.25% · 3.875%
HK$265,668
−HK$7,039/mo
Today · 4.125%
HK$272,707
baseline
▲ 0.50% · 4.625%
HK$287,082
+HK$14,375/mo
Deposit HK$34.00M · loan HK$51.00M · min. income ≈ HK$545,414/mo (50% DSR)
Upfront cash ≈ HK$37.61M (deposit + AVD stamp duty HK$3,612,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,329
−HK$17,014/mo
▼ 0.25% · 3.875%
HK$279,769
−HK$8,574/mo
Today · 4.125%
HK$288,343
baseline
▲ 0.50% · 4.625%
HK$305,888
+HK$17,545/mo
Deposit HK$25.50M · loan HK$59.50M · min. income ≈ HK$576,686/mo (50% DSR)
Upfront cash ≈ HK$29.11M (deposit + AVD stamp duty HK$3,612,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,850
−HK$16,308/mo
▼ 0.25% · 3.875%
HK$309,946
−HK$8,212/mo
Today · 4.125%
HK$318,158
baseline
▲ 0.50% · 4.625%
HK$334,929
+HK$16,771/mo
Deposit HK$25.50M · loan HK$59.50M · min. income ≈ HK$636,316/mo (50% DSR)
Upfront cash ≈ HK$29.11M (deposit + AVD stamp duty HK$3,612,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$348,851
−HK$21,876/mo
▼ 0.25% · 3.875%
HK$359,702
−HK$11,025/mo
Today · 4.125%
HK$370,727
baseline
▲ 0.50% · 4.625%
HK$393,285
+HK$22,558/mo
Deposit HK$8.50M · loan HK$76.49M · min. income ≈ HK$741,454/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$3,612,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$388,093
−HK$20,968/mo
▼ 0.25% · 3.875%
HK$398,502
−HK$10,559/mo
Today · 4.125%
HK$409,061
baseline
▲ 0.50% · 4.625%
HK$430,623
+HK$21,562/mo
Deposit HK$8.50M · loan HK$76.49M · min. income ≈ HK$818,122/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$3,612,209 · Scale 2, in force from 26 Feb 2026)