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$204,461
−HK$12,821/mo
▼ 0.25% · 3.875%
HK$210,820
−HK$6,462/mo
Today · 4.125%
HK$217,282
baseline
▲ 0.50% · 4.625%
HK$230,503
+HK$13,221/mo
Deposit HK$44.83M · loan HK$44.83M · min. income ≈ HK$434,564/mo (50% DSR)
Upfront cash ≈ HK$48.64M (deposit + AVD stamp duty HK$3,810,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,460
−HK$12,289/mo
▼ 0.25% · 3.875%
HK$233,561
−HK$6,188/mo
Today · 4.125%
HK$239,749
baseline
▲ 0.50% · 4.625%
HK$252,387
+HK$12,638/mo
Deposit HK$44.83M · loan HK$44.83M · min. income ≈ HK$479,498/mo (50% DSR)
Upfront cash ≈ HK$48.64M (deposit + AVD stamp duty HK$3,810,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,353
−HK$15,385/mo
▼ 0.25% · 3.875%
HK$252,984
−HK$7,754/mo
Today · 4.125%
HK$260,738
baseline
▲ 0.50% · 4.625%
HK$276,604
+HK$15,866/mo
Deposit HK$35.87M · loan HK$53.80M · min. income ≈ HK$521,476/mo (50% DSR)
Upfront cash ≈ HK$39.68M (deposit + AVD stamp duty HK$3,810,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,952
−HK$14,747/mo
▼ 0.25% · 3.875%
HK$280,273
−HK$7,426/mo
Today · 4.125%
HK$287,699
baseline
▲ 0.50% · 4.625%
HK$302,864
+HK$15,165/mo
Deposit HK$35.87M · loan HK$53.80M · min. income ≈ HK$575,398/mo (50% DSR)
Upfront cash ≈ HK$39.68M (deposit + AVD stamp duty HK$3,810,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,245
−HK$17,950/mo
▼ 0.25% · 3.875%
HK$295,149
−HK$9,046/mo
Today · 4.125%
HK$304,195
baseline
▲ 0.50% · 4.625%
HK$322,704
+HK$18,509/mo
Deposit HK$26.90M · loan HK$62.77M · min. income ≈ HK$608,390/mo (50% DSR)
Upfront cash ≈ HK$30.71M (deposit + AVD stamp duty HK$3,810,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,444
−HK$17,205/mo
▼ 0.25% · 3.875%
HK$326,985
−HK$8,664/mo
Today · 4.125%
HK$335,649
baseline
▲ 0.50% · 4.625%
HK$353,341
+HK$17,692/mo
Deposit HK$26.90M · loan HK$62.77M · min. income ≈ HK$671,298/mo (50% DSR)
Upfront cash ≈ HK$30.71M (deposit + AVD stamp duty HK$3,810,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$368,029
−HK$23,079/mo
▼ 0.25% · 3.875%
HK$379,477
−HK$11,631/mo
Today · 4.125%
HK$391,108
baseline
▲ 0.50% · 4.625%
HK$414,906
+HK$23,798/mo
Deposit HK$8.97M · loan HK$80.70M · min. income ≈ HK$782,216/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$3,810,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$409,428
−HK$22,121/mo
▼ 0.25% · 3.875%
HK$420,409
−HK$11,140/mo
Today · 4.125%
HK$431,549
baseline
▲ 0.50% · 4.625%
HK$454,296
+HK$22,747/mo
Deposit HK$8.97M · loan HK$80.70M · min. income ≈ HK$863,098/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$3,810,787 · Scale 2, in force from 26 Feb 2026)