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$187,287
−HK$11,745/mo
▼ 0.25% · 3.875%
HK$193,113
−HK$5,919/mo
Today · 4.125%
HK$199,032
baseline
▲ 0.50% · 4.625%
HK$211,143
+HK$12,111/mo
Deposit HK$41.07M · loan HK$41.07M · min. income ≈ HK$398,064/mo (50% DSR)
Upfront cash ≈ HK$44.56M (deposit + AVD stamp duty HK$3,490,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,355
−HK$11,257/mo
▼ 0.25% · 3.875%
HK$213,943
−HK$5,669/mo
Today · 4.125%
HK$219,612
baseline
▲ 0.50% · 4.625%
HK$231,188
+HK$11,576/mo
Deposit HK$41.07M · loan HK$41.07M · min. income ≈ HK$439,224/mo (50% DSR)
Upfront cash ≈ HK$44.56M (deposit + AVD stamp duty HK$3,490,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,745
−HK$14,093/mo
▼ 0.25% · 3.875%
HK$231,736
−HK$7,102/mo
Today · 4.125%
HK$238,838
baseline
▲ 0.50% · 4.625%
HK$253,371
+HK$14,533/mo
Deposit HK$32.85M · loan HK$49.28M · min. income ≈ HK$477,676/mo (50% DSR)
Upfront cash ≈ HK$36.34M (deposit + AVD stamp duty HK$3,490,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,026
−HK$13,509/mo
▼ 0.25% · 3.875%
HK$256,732
−HK$6,803/mo
Today · 4.125%
HK$263,535
baseline
▲ 0.50% · 4.625%
HK$277,426
+HK$13,891/mo
Deposit HK$32.85M · loan HK$49.28M · min. income ≈ HK$527,070/mo (50% DSR)
Upfront cash ≈ HK$36.34M (deposit + AVD stamp duty HK$3,490,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,202
−HK$16,443/mo
▼ 0.25% · 3.875%
HK$270,358
−HK$8,287/mo
Today · 4.125%
HK$278,645
baseline
▲ 0.50% · 4.625%
HK$295,600
+HK$16,955/mo
Deposit HK$24.64M · loan HK$57.49M · min. income ≈ HK$557,290/mo (50% DSR)
Upfront cash ≈ HK$28.13M (deposit + AVD stamp duty HK$3,490,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,697
−HK$15,760/mo
▼ 0.25% · 3.875%
HK$299,521
−HK$7,936/mo
Today · 4.125%
HK$307,457
baseline
▲ 0.50% · 4.625%
HK$323,663
+HK$16,206/mo
Deposit HK$24.64M · loan HK$57.49M · min. income ≈ HK$614,914/mo (50% DSR)
Upfront cash ≈ HK$28.13M (deposit + AVD stamp duty HK$3,490,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$337,117
−HK$21,140/mo
▼ 0.25% · 3.875%
HK$347,604
−HK$10,653/mo
Today · 4.125%
HK$358,257
baseline
▲ 0.50% · 4.625%
HK$380,057
+HK$21,800/mo
Deposit HK$8.21M · loan HK$73.92M · min. income ≈ HK$716,514/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$3,490,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$375,040
−HK$20,262/mo
▼ 0.25% · 3.875%
HK$385,098
−HK$10,204/mo
Today · 4.125%
HK$395,302
baseline
▲ 0.50% · 4.625%
HK$416,139
+HK$20,837/mo
Deposit HK$8.21M · loan HK$73.92M · min. income ≈ HK$790,604/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$3,490,710 · Scale 2, in force from 26 Feb 2026)