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$206,959
−HK$12,979/mo
▼ 0.25% · 3.875%
HK$213,397
−HK$6,541/mo
Today · 4.125%
HK$219,938
baseline
▲ 0.50% · 4.625%
HK$233,320
+HK$13,382/mo
Deposit HK$45.38M · loan HK$45.38M · min. income ≈ HK$439,876/mo (50% DSR)
Upfront cash ≈ HK$49.24M (deposit + AVD stamp duty HK$3,857,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,240
−HK$12,439/mo
▼ 0.25% · 3.875%
HK$236,415
−HK$6,264/mo
Today · 4.125%
HK$242,679
baseline
▲ 0.50% · 4.625%
HK$255,471
+HK$12,792/mo
Deposit HK$45.38M · loan HK$45.38M · min. income ≈ HK$485,358/mo (50% DSR)
Upfront cash ≈ HK$49.24M (deposit + AVD stamp duty HK$3,857,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,351
−HK$15,574/mo
▼ 0.25% · 3.875%
HK$256,076
−HK$7,849/mo
Today · 4.125%
HK$263,925
baseline
▲ 0.50% · 4.625%
HK$279,984
+HK$16,059/mo
Deposit HK$36.30M · loan HK$54.46M · min. income ≈ HK$527,850/mo (50% DSR)
Upfront cash ≈ HK$40.16M (deposit + AVD stamp duty HK$3,857,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,288
−HK$14,927/mo
▼ 0.25% · 3.875%
HK$283,698
−HK$7,517/mo
Today · 4.125%
HK$291,215
baseline
▲ 0.50% · 4.625%
HK$306,566
+HK$15,351/mo
Deposit HK$36.30M · loan HK$54.46M · min. income ≈ HK$582,430/mo (50% DSR)
Upfront cash ≈ HK$40.16M (deposit + AVD stamp duty HK$3,857,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,743
−HK$18,170/mo
▼ 0.25% · 3.875%
HK$298,756
−HK$9,157/mo
Today · 4.125%
HK$307,913
baseline
▲ 0.50% · 4.625%
HK$326,648
+HK$18,735/mo
Deposit HK$27.23M · loan HK$63.53M · min. income ≈ HK$615,826/mo (50% DSR)
Upfront cash ≈ HK$31.09M (deposit + AVD stamp duty HK$3,857,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$322,336
−HK$17,415/mo
▼ 0.25% · 3.875%
HK$330,981
−HK$8,770/mo
Today · 4.125%
HK$339,751
baseline
▲ 0.50% · 4.625%
HK$357,660
+HK$17,909/mo
Deposit HK$27.23M · loan HK$63.53M · min. income ≈ HK$679,502/mo (50% DSR)
Upfront cash ≈ HK$31.09M (deposit + AVD stamp duty HK$3,857,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$372,527
−HK$23,361/mo
▼ 0.25% · 3.875%
HK$384,115
−HK$11,773/mo
Today · 4.125%
HK$395,888
baseline
▲ 0.50% · 4.625%
HK$419,977
+HK$24,089/mo
Deposit HK$9.08M · loan HK$81.69M · min. income ≈ HK$791,776/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$3,857,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$414,433
−HK$22,390/mo
▼ 0.25% · 3.875%
HK$425,547
−HK$11,276/mo
Today · 4.125%
HK$436,823
baseline
▲ 0.50% · 4.625%
HK$459,849
+HK$23,026/mo
Deposit HK$9.08M · loan HK$81.69M · min. income ≈ HK$873,646/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$3,857,363 · Scale 2, in force from 26 Feb 2026)