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$209,899
−HK$13,162/mo
▼ 0.25% · 3.875%
HK$216,428
−HK$6,633/mo
Today · 4.125%
HK$223,061
baseline
▲ 0.50% · 4.625%
HK$236,634
+HK$13,573/mo
Deposit HK$46.03M · loan HK$46.03M · min. income ≈ HK$446,122/mo (50% DSR)
Upfront cash ≈ HK$49.94M (deposit + AVD stamp duty HK$3,912,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,510
−HK$12,616/mo
▼ 0.25% · 3.875%
HK$239,773
−HK$6,353/mo
Today · 4.125%
HK$246,126
baseline
▲ 0.50% · 4.625%
HK$259,100
+HK$12,974/mo
Deposit HK$46.03M · loan HK$46.03M · min. income ≈ HK$492,252/mo (50% DSR)
Upfront cash ≈ HK$49.94M (deposit + AVD stamp duty HK$3,912,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,879
−HK$15,795/mo
▼ 0.25% · 3.875%
HK$259,713
−HK$7,961/mo
Today · 4.125%
HK$267,674
baseline
▲ 0.50% · 4.625%
HK$283,961
+HK$16,287/mo
Deposit HK$36.82M · loan HK$55.23M · min. income ≈ HK$535,348/mo (50% DSR)
Upfront cash ≈ HK$40.73M (deposit + AVD stamp duty HK$3,912,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,212
−HK$15,139/mo
▼ 0.25% · 3.875%
HK$287,728
−HK$7,623/mo
Today · 4.125%
HK$295,351
baseline
▲ 0.50% · 4.625%
HK$310,920
+HK$15,569/mo
Deposit HK$36.82M · loan HK$55.23M · min. income ≈ HK$590,702/mo (50% DSR)
Upfront cash ≈ HK$40.73M (deposit + AVD stamp duty HK$3,912,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,858
−HK$18,428/mo
▼ 0.25% · 3.875%
HK$302,999
−HK$9,287/mo
Today · 4.125%
HK$312,286
baseline
▲ 0.50% · 4.625%
HK$331,288
+HK$19,002/mo
Deposit HK$27.62M · loan HK$64.44M · min. income ≈ HK$624,572/mo (50% DSR)
Upfront cash ≈ HK$31.53M (deposit + AVD stamp duty HK$3,912,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$326,914
−HK$17,663/mo
▼ 0.25% · 3.875%
HK$335,682
−HK$8,895/mo
Today · 4.125%
HK$344,577
baseline
▲ 0.50% · 4.625%
HK$362,740
+HK$18,163/mo
Deposit HK$27.62M · loan HK$64.44M · min. income ≈ HK$689,154/mo (50% DSR)
Upfront cash ≈ HK$31.53M (deposit + AVD stamp duty HK$3,912,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$377,818
−HK$23,692/mo
▼ 0.25% · 3.875%
HK$389,570
−HK$11,940/mo
Today · 4.125%
HK$401,510
baseline
▲ 0.50% · 4.625%
HK$425,941
+HK$24,431/mo
Deposit HK$9.21M · loan HK$82.85M · min. income ≈ HK$803,020/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$3,912,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$420,319
−HK$22,708/mo
▼ 0.25% · 3.875%
HK$431,591
−HK$11,436/mo
Today · 4.125%
HK$443,027
baseline
▲ 0.50% · 4.625%
HK$466,380
+HK$23,353/mo
Deposit HK$9.21M · loan HK$82.85M · min. income ≈ HK$886,054/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$3,912,148 · Scale 2, in force from 26 Feb 2026)