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$210,191
−HK$13,181/mo
▼ 0.25% · 3.875%
HK$216,729
−HK$6,643/mo
Today · 4.125%
HK$223,372
baseline
▲ 0.50% · 4.625%
HK$236,963
+HK$13,591/mo
Deposit HK$46.09M · loan HK$46.09M · min. income ≈ HK$446,744/mo (50% DSR)
Upfront cash ≈ HK$50.01M (deposit + AVD stamp duty HK$3,917,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,835
−HK$12,634/mo
▼ 0.25% · 3.875%
HK$240,107
−HK$6,362/mo
Today · 4.125%
HK$246,469
baseline
▲ 0.50% · 4.625%
HK$259,460
+HK$12,991/mo
Deposit HK$46.09M · loan HK$46.09M · min. income ≈ HK$492,938/mo (50% DSR)
Upfront cash ≈ HK$50.01M (deposit + AVD stamp duty HK$3,917,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,229
−HK$15,817/mo
▼ 0.25% · 3.875%
HK$260,075
−HK$7,971/mo
Today · 4.125%
HK$268,046
baseline
▲ 0.50% · 4.625%
HK$284,356
+HK$16,310/mo
Deposit HK$36.87M · loan HK$55.31M · min. income ≈ HK$536,092/mo (50% DSR)
Upfront cash ≈ HK$40.79M (deposit + AVD stamp duty HK$3,917,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,602
−HK$15,160/mo
▼ 0.25% · 3.875%
HK$288,128
−HK$7,634/mo
Today · 4.125%
HK$295,762
baseline
▲ 0.50% · 4.625%
HK$311,352
+HK$15,590/mo
Deposit HK$36.87M · loan HK$55.31M · min. income ≈ HK$591,524/mo (50% DSR)
Upfront cash ≈ HK$40.79M (deposit + AVD stamp duty HK$3,917,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,267
−HK$18,453/mo
▼ 0.25% · 3.875%
HK$303,421
−HK$9,299/mo
Today · 4.125%
HK$312,720
baseline
▲ 0.50% · 4.625%
HK$331,749
+HK$19,029/mo
Deposit HK$27.65M · loan HK$64.53M · min. income ≈ HK$625,440/mo (50% DSR)
Upfront cash ≈ HK$31.57M (deposit + AVD stamp duty HK$3,917,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$327,369
−HK$17,687/mo
▼ 0.25% · 3.875%
HK$336,149
−HK$8,907/mo
Today · 4.125%
HK$345,056
baseline
▲ 0.50% · 4.625%
HK$363,245
+HK$18,189/mo
Deposit HK$27.65M · loan HK$64.53M · min. income ≈ HK$690,112/mo (50% DSR)
Upfront cash ≈ HK$31.57M (deposit + AVD stamp duty HK$3,917,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$378,344
−HK$23,725/mo
▼ 0.25% · 3.875%
HK$390,112
−HK$11,957/mo
Today · 4.125%
HK$402,069
baseline
▲ 0.50% · 4.625%
HK$426,534
+HK$24,465/mo
Deposit HK$9.22M · loan HK$82.96M · min. income ≈ HK$804,138/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$3,917,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$420,904
−HK$22,740/mo
▼ 0.25% · 3.875%
HK$432,192
−HK$11,452/mo
Today · 4.125%
HK$443,644
baseline
▲ 0.50% · 4.625%
HK$467,029
+HK$23,385/mo
Deposit HK$9.22M · loan HK$82.96M · min. income ≈ HK$887,288/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$3,917,592 · Scale 2, in force from 26 Feb 2026)