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$201,740
−HK$12,651/mo
▼ 0.25% · 3.875%
HK$208,015
−HK$6,376/mo
Today · 4.125%
HK$214,391
baseline
▲ 0.50% · 4.625%
HK$227,436
+HK$13,045/mo
Deposit HK$44.24M · loan HK$44.24M · min. income ≈ HK$428,782/mo (50% DSR)
Upfront cash ≈ HK$48.00M (deposit + AVD stamp duty HK$3,760,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,433
−HK$12,126/mo
▼ 0.25% · 3.875%
HK$230,453
−HK$6,106/mo
Today · 4.125%
HK$236,559
baseline
▲ 0.50% · 4.625%
HK$249,028
+HK$12,469/mo
Deposit HK$44.24M · loan HK$44.24M · min. income ≈ HK$473,118/mo (50% DSR)
Upfront cash ≈ HK$48.00M (deposit + AVD stamp duty HK$3,760,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,088
−HK$15,181/mo
▼ 0.25% · 3.875%
HK$249,618
−HK$7,651/mo
Today · 4.125%
HK$257,269
baseline
▲ 0.50% · 4.625%
HK$272,923
+HK$15,654/mo
Deposit HK$35.39M · loan HK$53.08M · min. income ≈ HK$514,538/mo (50% DSR)
Upfront cash ≈ HK$39.15M (deposit + AVD stamp duty HK$3,760,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,320
−HK$14,551/mo
▼ 0.25% · 3.875%
HK$276,543
−HK$7,328/mo
Today · 4.125%
HK$283,871
baseline
▲ 0.50% · 4.625%
HK$298,834
+HK$14,963/mo
Deposit HK$35.39M · loan HK$53.08M · min. income ≈ HK$567,742/mo (50% DSR)
Upfront cash ≈ HK$39.15M (deposit + AVD stamp duty HK$3,760,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,436
−HK$17,711/mo
▼ 0.25% · 3.875%
HK$291,221
−HK$8,926/mo
Today · 4.125%
HK$300,147
baseline
▲ 0.50% · 4.625%
HK$318,410
+HK$18,263/mo
Deposit HK$26.54M · loan HK$61.93M · min. income ≈ HK$600,294/mo (50% DSR)
Upfront cash ≈ HK$30.30M (deposit + AVD stamp duty HK$3,760,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$314,207
−HK$16,975/mo
▼ 0.25% · 3.875%
HK$322,634
−HK$8,548/mo
Today · 4.125%
HK$331,182
baseline
▲ 0.50% · 4.625%
HK$348,639
+HK$17,457/mo
Deposit HK$26.54M · loan HK$61.93M · min. income ≈ HK$662,364/mo (50% DSR)
Upfront cash ≈ HK$30.30M (deposit + AVD stamp duty HK$3,760,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$363,131
−HK$22,772/mo
▼ 0.25% · 3.875%
HK$374,427
−HK$11,476/mo
Today · 4.125%
HK$385,903
baseline
▲ 0.50% · 4.625%
HK$409,384
+HK$23,481/mo
Deposit HK$8.85M · loan HK$79.63M · min. income ≈ HK$771,806/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$3,760,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$403,980
−HK$21,826/mo
▼ 0.25% · 3.875%
HK$414,815
−HK$10,991/mo
Today · 4.125%
HK$425,806
baseline
▲ 0.50% · 4.625%
HK$448,251
+HK$22,445/mo
Deposit HK$8.85M · loan HK$79.63M · min. income ≈ HK$851,612/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$3,760,076 · Scale 2, in force from 26 Feb 2026)