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$197,724
−HK$12,399/mo
▼ 0.25% · 3.875%
HK$203,874
−HK$6,249/mo
Today · 4.125%
HK$210,123
baseline
▲ 0.50% · 4.625%
HK$222,908
+HK$12,785/mo
Deposit HK$43.36M · loan HK$43.36M · min. income ≈ HK$420,246/mo (50% DSR)
Upfront cash ≈ HK$47.04M (deposit + AVD stamp duty HK$3,685,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,966
−HK$11,884/mo
▼ 0.25% · 3.875%
HK$225,865
−HK$5,985/mo
Today · 4.125%
HK$231,850
baseline
▲ 0.50% · 4.625%
HK$244,071
+HK$12,221/mo
Deposit HK$43.36M · loan HK$43.36M · min. income ≈ HK$463,700/mo (50% DSR)
Upfront cash ≈ HK$47.04M (deposit + AVD stamp duty HK$3,685,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,268
−HK$14,879/mo
▼ 0.25% · 3.875%
HK$244,649
−HK$7,498/mo
Today · 4.125%
HK$252,147
baseline
▲ 0.50% · 4.625%
HK$267,490
+HK$15,343/mo
Deposit HK$34.68M · loan HK$52.03M · min. income ≈ HK$504,294/mo (50% DSR)
Upfront cash ≈ HK$38.37M (deposit + AVD stamp duty HK$3,685,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,959
−HK$14,261/mo
▼ 0.25% · 3.875%
HK$271,038
−HK$7,182/mo
Today · 4.125%
HK$278,220
baseline
▲ 0.50% · 4.625%
HK$292,885
+HK$14,665/mo
Deposit HK$34.68M · loan HK$52.03M · min. income ≈ HK$556,440/mo (50% DSR)
Upfront cash ≈ HK$38.37M (deposit + AVD stamp duty HK$3,685,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,813
−HK$17,359/mo
▼ 0.25% · 3.875%
HK$285,424
−HK$8,748/mo
Today · 4.125%
HK$294,172
baseline
▲ 0.50% · 4.625%
HK$312,071
+HK$17,899/mo
Deposit HK$26.01M · loan HK$60.70M · min. income ≈ HK$588,344/mo (50% DSR)
Upfront cash ≈ HK$29.70M (deposit + AVD stamp duty HK$3,685,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$307,952
−HK$16,638/mo
▼ 0.25% · 3.875%
HK$316,211
−HK$8,379/mo
Today · 4.125%
HK$324,590
baseline
▲ 0.50% · 4.625%
HK$341,699
+HK$17,109/mo
Deposit HK$26.01M · loan HK$60.70M · min. income ≈ HK$649,180/mo (50% DSR)
Upfront cash ≈ HK$29.70M (deposit + AVD stamp duty HK$3,685,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$355,903
−HK$22,318/mo
▼ 0.25% · 3.875%
HK$366,973
−HK$11,248/mo
Today · 4.125%
HK$378,221
baseline
▲ 0.50% · 4.625%
HK$401,235
+HK$23,014/mo
Deposit HK$8.67M · loan HK$78.04M · min. income ≈ HK$756,442/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$3,685,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$395,938
−HK$21,391/mo
▼ 0.25% · 3.875%
HK$406,557
−HK$10,772/mo
Today · 4.125%
HK$417,329
baseline
▲ 0.50% · 4.625%
HK$439,327
+HK$21,998/mo
Deposit HK$8.67M · loan HK$78.04M · min. income ≈ HK$834,658/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$3,685,224 · Scale 2, in force from 26 Feb 2026)