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$188,288
−HK$11,808/mo
▼ 0.25% · 3.875%
HK$194,145
−HK$5,951/mo
Today · 4.125%
HK$200,096
baseline
▲ 0.50% · 4.625%
HK$212,271
+HK$12,175/mo
Deposit HK$41.29M · loan HK$41.29M · min. income ≈ HK$400,192/mo (50% DSR)
Upfront cash ≈ HK$44.80M (deposit + AVD stamp duty HK$3,509,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,469
−HK$11,317/mo
▼ 0.25% · 3.875%
HK$215,087
−HK$5,699/mo
Today · 4.125%
HK$220,786
baseline
▲ 0.50% · 4.625%
HK$232,424
+HK$11,638/mo
Deposit HK$41.29M · loan HK$41.29M · min. income ≈ HK$441,572/mo (50% DSR)
Upfront cash ≈ HK$44.80M (deposit + AVD stamp duty HK$3,509,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,946
−HK$14,169/mo
▼ 0.25% · 3.875%
HK$232,974
−HK$7,141/mo
Today · 4.125%
HK$240,115
baseline
▲ 0.50% · 4.625%
HK$254,725
+HK$14,610/mo
Deposit HK$33.03M · loan HK$49.54M · min. income ≈ HK$480,230/mo (50% DSR)
Upfront cash ≈ HK$36.54M (deposit + AVD stamp duty HK$3,509,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,363
−HK$13,580/mo
▼ 0.25% · 3.875%
HK$258,104
−HK$6,839/mo
Today · 4.125%
HK$264,943
baseline
▲ 0.50% · 4.625%
HK$278,909
+HK$13,966/mo
Deposit HK$33.03M · loan HK$49.54M · min. income ≈ HK$529,886/mo (50% DSR)
Upfront cash ≈ HK$36.54M (deposit + AVD stamp duty HK$3,509,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,604
−HK$16,530/mo
▼ 0.25% · 3.875%
HK$271,803
−HK$8,331/mo
Today · 4.125%
HK$280,134
baseline
▲ 0.50% · 4.625%
HK$297,180
+HK$17,046/mo
Deposit HK$24.77M · loan HK$57.80M · min. income ≈ HK$560,268/mo (50% DSR)
Upfront cash ≈ HK$28.28M (deposit + AVD stamp duty HK$3,509,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,257
−HK$15,843/mo
▼ 0.25% · 3.875%
HK$301,122
−HK$7,978/mo
Today · 4.125%
HK$309,100
baseline
▲ 0.50% · 4.625%
HK$325,393
+HK$16,293/mo
Deposit HK$24.77M · loan HK$57.80M · min. income ≈ HK$618,200/mo (50% DSR)
Upfront cash ≈ HK$28.28M (deposit + AVD stamp duty HK$3,509,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$338,919
−HK$21,253/mo
▼ 0.25% · 3.875%
HK$349,461
−HK$10,711/mo
Today · 4.125%
HK$360,172
baseline
▲ 0.50% · 4.625%
HK$382,088
+HK$21,916/mo
Deposit HK$8.26M · loan HK$74.32M · min. income ≈ HK$720,344/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$3,509,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$377,044
−HK$20,371/mo
▼ 0.25% · 3.875%
HK$387,156
−HK$10,259/mo
Today · 4.125%
HK$397,415
baseline
▲ 0.50% · 4.625%
HK$418,363
+HK$20,948/mo
Deposit HK$8.26M · loan HK$74.32M · min. income ≈ HK$794,830/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$3,509,368 · Scale 2, in force from 26 Feb 2026)