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$192,269
−HK$12,057/mo
▼ 0.25% · 3.875%
HK$198,250
−HK$6,076/mo
Today · 4.125%
HK$204,326
baseline
▲ 0.50% · 4.625%
HK$216,759
+HK$12,433/mo
Deposit HK$42.16M · loan HK$42.16M · min. income ≈ HK$408,652/mo (50% DSR)
Upfront cash ≈ HK$45.74M (deposit + AVD stamp duty HK$3,583,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,898
−HK$11,556/mo
▼ 0.25% · 3.875%
HK$219,634
−HK$5,820/mo
Today · 4.125%
HK$225,454
baseline
▲ 0.50% · 4.625%
HK$237,338
+HK$11,884/mo
Deposit HK$42.16M · loan HK$42.16M · min. income ≈ HK$450,908/mo (50% DSR)
Upfront cash ≈ HK$45.74M (deposit + AVD stamp duty HK$3,583,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,723
−HK$14,468/mo
▼ 0.25% · 3.875%
HK$237,900
−HK$7,291/mo
Today · 4.125%
HK$245,191
baseline
▲ 0.50% · 4.625%
HK$260,111
+HK$14,920/mo
Deposit HK$33.73M · loan HK$50.59M · min. income ≈ HK$490,382/mo (50% DSR)
Upfront cash ≈ HK$37.31M (deposit + AVD stamp duty HK$3,583,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,677
−HK$13,868/mo
▼ 0.25% · 3.875%
HK$263,561
−HK$6,984/mo
Today · 4.125%
HK$270,545
baseline
▲ 0.50% · 4.625%
HK$284,805
+HK$14,260/mo
Deposit HK$33.73M · loan HK$50.59M · min. income ≈ HK$541,090/mo (50% DSR)
Upfront cash ≈ HK$37.31M (deposit + AVD stamp duty HK$3,583,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,177
−HK$16,880/mo
▼ 0.25% · 3.875%
HK$277,550
−HK$8,507/mo
Today · 4.125%
HK$286,057
baseline
▲ 0.50% · 4.625%
HK$303,463
+HK$17,406/mo
Deposit HK$25.30M · loan HK$59.02M · min. income ≈ HK$572,114/mo (50% DSR)
Upfront cash ≈ HK$28.88M (deposit + AVD stamp duty HK$3,583,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,457
−HK$16,178/mo
▼ 0.25% · 3.875%
HK$307,488
−HK$8,147/mo
Today · 4.125%
HK$315,635
baseline
▲ 0.50% · 4.625%
HK$332,273
+HK$16,638/mo
Deposit HK$25.30M · loan HK$59.02M · min. income ≈ HK$631,270/mo (50% DSR)
Upfront cash ≈ HK$28.88M (deposit + AVD stamp duty HK$3,583,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$346,085
−HK$21,702/mo
▼ 0.25% · 3.875%
HK$356,850
−HK$10,937/mo
Today · 4.125%
HK$367,787
baseline
▲ 0.50% · 4.625%
HK$390,166
+HK$22,379/mo
Deposit HK$8.43M · loan HK$75.89M · min. income ≈ HK$735,574/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$3,583,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$385,016
−HK$20,801/mo
▼ 0.25% · 3.875%
HK$395,342
−HK$10,475/mo
Today · 4.125%
HK$405,817
baseline
▲ 0.50% · 4.625%
HK$427,208
+HK$21,391/mo
Deposit HK$8.43M · loan HK$75.89M · min. income ≈ HK$811,634/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$3,583,563 · Scale 2, in force from 26 Feb 2026)