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$185,869
−HK$11,656/mo
▼ 0.25% · 3.875%
HK$191,651
−HK$5,874/mo
Today · 4.125%
HK$197,525
baseline
▲ 0.50% · 4.625%
HK$209,544
+HK$12,019/mo
Deposit HK$40.76M · loan HK$40.76M · min. income ≈ HK$395,050/mo (50% DSR)
Upfront cash ≈ HK$44.22M (deposit + AVD stamp duty HK$3,464,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,778
−HK$11,171/mo
▼ 0.25% · 3.875%
HK$212,324
−HK$5,625/mo
Today · 4.125%
HK$217,949
baseline
▲ 0.50% · 4.625%
HK$229,438
+HK$11,489/mo
Deposit HK$40.76M · loan HK$40.76M · min. income ≈ HK$435,898/mo (50% DSR)
Upfront cash ≈ HK$44.22M (deposit + AVD stamp duty HK$3,464,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,043
−HK$13,987/mo
▼ 0.25% · 3.875%
HK$229,981
−HK$7,049/mo
Today · 4.125%
HK$237,030
baseline
▲ 0.50% · 4.625%
HK$251,453
+HK$14,423/mo
Deposit HK$32.61M · loan HK$48.91M · min. income ≈ HK$474,060/mo (50% DSR)
Upfront cash ≈ HK$36.07M (deposit + AVD stamp duty HK$3,464,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,133
−HK$13,406/mo
▼ 0.25% · 3.875%
HK$254,788
−HK$6,751/mo
Today · 4.125%
HK$261,539
baseline
▲ 0.50% · 4.625%
HK$275,325
+HK$13,786/mo
Deposit HK$32.61M · loan HK$48.91M · min. income ≈ HK$523,078/mo (50% DSR)
Upfront cash ≈ HK$36.07M (deposit + AVD stamp duty HK$3,464,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,217
−HK$16,318/mo
▼ 0.25% · 3.875%
HK$268,311
−HK$8,224/mo
Today · 4.125%
HK$276,535
baseline
▲ 0.50% · 4.625%
HK$293,362
+HK$16,827/mo
Deposit HK$24.45M · loan HK$57.06M · min. income ≈ HK$553,070/mo (50% DSR)
Upfront cash ≈ HK$27.92M (deposit + AVD stamp duty HK$3,464,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,489
−HK$15,640/mo
▼ 0.25% · 3.875%
HK$297,253
−HK$7,876/mo
Today · 4.125%
HK$305,129
baseline
▲ 0.50% · 4.625%
HK$321,213
+HK$16,084/mo
Deposit HK$24.45M · loan HK$57.06M · min. income ≈ HK$610,258/mo (50% DSR)
Upfront cash ≈ HK$27.92M (deposit + AVD stamp duty HK$3,464,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$334,565
−HK$20,980/mo
▼ 0.25% · 3.875%
HK$344,972
−HK$10,573/mo
Today · 4.125%
HK$355,545
baseline
▲ 0.50% · 4.625%
HK$377,179
+HK$21,634/mo
Deposit HK$8.15M · loan HK$73.36M · min. income ≈ HK$711,090/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$3,464,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$372,200
−HK$20,109/mo
▼ 0.25% · 3.875%
HK$382,182
−HK$10,127/mo
Today · 4.125%
HK$392,309
baseline
▲ 0.50% · 4.625%
HK$412,988
+HK$20,679/mo
Deposit HK$8.15M · loan HK$73.36M · min. income ≈ HK$784,618/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$3,464,282 · Scale 2, in force from 26 Feb 2026)