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$183,717
−HK$11,521/mo
▼ 0.25% · 3.875%
HK$189,432
−HK$5,806/mo
Today · 4.125%
HK$195,238
baseline
▲ 0.50% · 4.625%
HK$207,118
+HK$11,880/mo
Deposit HK$40.28M · loan HK$40.28M · min. income ≈ HK$390,476/mo (50% DSR)
Upfront cash ≈ HK$43.71M (deposit + AVD stamp duty HK$3,424,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,384
−HK$11,042/mo
▼ 0.25% · 3.875%
HK$209,865
−HK$5,561/mo
Today · 4.125%
HK$215,426
baseline
▲ 0.50% · 4.625%
HK$226,781
+HK$11,355/mo
Deposit HK$40.28M · loan HK$40.28M · min. income ≈ HK$430,852/mo (50% DSR)
Upfront cash ≈ HK$43.71M (deposit + AVD stamp duty HK$3,424,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,461
−HK$13,825/mo
▼ 0.25% · 3.875%
HK$227,319
−HK$6,967/mo
Today · 4.125%
HK$234,286
baseline
▲ 0.50% · 4.625%
HK$248,542
+HK$14,256/mo
Deposit HK$32.23M · loan HK$48.34M · min. income ≈ HK$468,572/mo (50% DSR)
Upfront cash ≈ HK$35.65M (deposit + AVD stamp duty HK$3,424,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,261
−HK$13,250/mo
▼ 0.25% · 3.875%
HK$251,838
−HK$6,673/mo
Today · 4.125%
HK$258,511
baseline
▲ 0.50% · 4.625%
HK$272,138
+HK$13,627/mo
Deposit HK$32.23M · loan HK$48.34M · min. income ≈ HK$517,022/mo (50% DSR)
Upfront cash ≈ HK$35.65M (deposit + AVD stamp duty HK$3,424,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,204
−HK$16,129/mo
▼ 0.25% · 3.875%
HK$265,205
−HK$8,128/mo
Today · 4.125%
HK$273,333
baseline
▲ 0.50% · 4.625%
HK$289,965
+HK$16,632/mo
Deposit HK$24.17M · loan HK$56.40M · min. income ≈ HK$546,666/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$3,424,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,137
−HK$15,459/mo
▼ 0.25% · 3.875%
HK$293,811
−HK$7,785/mo
Today · 4.125%
HK$301,596
baseline
▲ 0.50% · 4.625%
HK$317,494
+HK$15,898/mo
Deposit HK$24.17M · loan HK$56.40M · min. income ≈ HK$603,192/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$3,424,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$330,691
−HK$20,738/mo
▼ 0.25% · 3.875%
HK$340,978
−HK$10,451/mo
Today · 4.125%
HK$351,429
baseline
▲ 0.50% · 4.625%
HK$372,812
+HK$21,383/mo
Deposit HK$8.06M · loan HK$72.51M · min. income ≈ HK$702,858/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$3,424,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$367,891
−HK$19,876/mo
▼ 0.25% · 3.875%
HK$377,758
−HK$10,009/mo
Today · 4.125%
HK$387,767
baseline
▲ 0.50% · 4.625%
HK$408,207
+HK$20,440/mo
Deposit HK$8.06M · loan HK$72.51M · min. income ≈ HK$775,534/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$3,424,173 · Scale 2, in force from 26 Feb 2026)