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$209,555
−HK$13,141/mo
▼ 0.25% · 3.875%
HK$216,074
−HK$6,622/mo
Today · 4.125%
HK$222,696
baseline
▲ 0.50% · 4.625%
HK$236,247
+HK$13,551/mo
Deposit HK$45.95M · loan HK$45.95M · min. income ≈ HK$445,392/mo (50% DSR)
Upfront cash ≈ HK$49.86M (deposit + AVD stamp duty HK$3,905,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,128
−HK$12,595/mo
▼ 0.25% · 3.875%
HK$239,380
−HK$6,343/mo
Today · 4.125%
HK$245,723
baseline
▲ 0.50% · 4.625%
HK$258,676
+HK$12,953/mo
Deposit HK$45.95M · loan HK$45.95M · min. income ≈ HK$491,446/mo (50% DSR)
Upfront cash ≈ HK$49.86M (deposit + AVD stamp duty HK$3,905,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,466
−HK$15,769/mo
▼ 0.25% · 3.875%
HK$259,288
−HK$7,947/mo
Today · 4.125%
HK$267,235
baseline
▲ 0.50% · 4.625%
HK$283,496
+HK$16,261/mo
Deposit HK$36.76M · loan HK$55.14M · min. income ≈ HK$534,470/mo (50% DSR)
Upfront cash ≈ HK$40.67M (deposit + AVD stamp duty HK$3,905,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,754
−HK$15,114/mo
▼ 0.25% · 3.875%
HK$287,256
−HK$7,612/mo
Today · 4.125%
HK$294,868
baseline
▲ 0.50% · 4.625%
HK$310,411
+HK$15,543/mo
Deposit HK$36.76M · loan HK$55.14M · min. income ≈ HK$589,736/mo (50% DSR)
Upfront cash ≈ HK$40.67M (deposit + AVD stamp duty HK$3,905,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,377
−HK$18,398/mo
▼ 0.25% · 3.875%
HK$302,503
−HK$9,272/mo
Today · 4.125%
HK$311,775
baseline
▲ 0.50% · 4.625%
HK$330,745
+HK$18,970/mo
Deposit HK$27.57M · loan HK$64.33M · min. income ≈ HK$623,550/mo (50% DSR)
Upfront cash ≈ HK$31.48M (deposit + AVD stamp duty HK$3,905,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$326,379
−HK$17,633/mo
▼ 0.25% · 3.875%
HK$335,133
−HK$8,879/mo
Today · 4.125%
HK$344,012
baseline
▲ 0.50% · 4.625%
HK$362,146
+HK$18,134/mo
Deposit HK$27.57M · loan HK$64.33M · min. income ≈ HK$688,024/mo (50% DSR)
Upfront cash ≈ HK$31.48M (deposit + AVD stamp duty HK$3,905,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$377,199
−HK$23,654/mo
▼ 0.25% · 3.875%
HK$388,932
−HK$11,921/mo
Today · 4.125%
HK$400,853
baseline
▲ 0.50% · 4.625%
HK$425,244
+HK$24,391/mo
Deposit HK$9.19M · loan HK$82.71M · min. income ≈ HK$801,706/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$3,905,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$419,630
−HK$22,672/mo
▼ 0.25% · 3.875%
HK$430,885
−HK$11,417/mo
Today · 4.125%
HK$442,302
baseline
▲ 0.50% · 4.625%
HK$465,616
+HK$23,314/mo
Deposit HK$9.19M · loan HK$82.71M · min. income ≈ HK$884,604/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$3,905,743 · Scale 2, in force from 26 Feb 2026)