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$183,540
−HK$11,510/mo
▼ 0.25% · 3.875%
HK$189,249
−HK$5,801/mo
Today · 4.125%
HK$195,050
baseline
▲ 0.50% · 4.625%
HK$206,918
+HK$11,868/mo
Deposit HK$40.25M · loan HK$40.25M · min. income ≈ HK$390,100/mo (50% DSR)
Upfront cash ≈ HK$43.67M (deposit + AVD stamp duty HK$3,420,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,187
−HK$11,031/mo
▼ 0.25% · 3.875%
HK$209,663
−HK$5,555/mo
Today · 4.125%
HK$215,218
baseline
▲ 0.50% · 4.625%
HK$226,563
+HK$11,345/mo
Deposit HK$40.25M · loan HK$40.25M · min. income ≈ HK$430,436/mo (50% DSR)
Upfront cash ≈ HK$43.67M (deposit + AVD stamp duty HK$3,420,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,248
−HK$13,812/mo
▼ 0.25% · 3.875%
HK$227,099
−HK$6,961/mo
Today · 4.125%
HK$234,060
baseline
▲ 0.50% · 4.625%
HK$248,302
+HK$14,242/mo
Deposit HK$32.20M · loan HK$48.29M · min. income ≈ HK$468,120/mo (50% DSR)
Upfront cash ≈ HK$35.62M (deposit + AVD stamp duty HK$3,420,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,024
−HK$13,238/mo
▼ 0.25% · 3.875%
HK$251,595
−HK$6,667/mo
Today · 4.125%
HK$258,262
baseline
▲ 0.50% · 4.625%
HK$271,875
+HK$13,613/mo
Deposit HK$32.20M · loan HK$48.29M · min. income ≈ HK$516,524/mo (50% DSR)
Upfront cash ≈ HK$35.62M (deposit + AVD stamp duty HK$3,420,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,956
−HK$16,114/mo
▼ 0.25% · 3.875%
HK$264,949
−HK$8,121/mo
Today · 4.125%
HK$273,070
baseline
▲ 0.50% · 4.625%
HK$289,685
+HK$16,615/mo
Deposit HK$24.15M · loan HK$56.34M · min. income ≈ HK$546,140/mo (50% DSR)
Upfront cash ≈ HK$27.57M (deposit + AVD stamp duty HK$3,420,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,861
−HK$15,444/mo
▼ 0.25% · 3.875%
HK$293,528
−HK$7,777/mo
Today · 4.125%
HK$301,305
baseline
▲ 0.50% · 4.625%
HK$317,188
+HK$15,883/mo
Deposit HK$24.15M · loan HK$56.34M · min. income ≈ HK$602,610/mo (50% DSR)
Upfront cash ≈ HK$27.57M (deposit + AVD stamp duty HK$3,420,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$330,372
−HK$20,718/mo
▼ 0.25% · 3.875%
HK$340,649
−HK$10,441/mo
Today · 4.125%
HK$351,090
baseline
▲ 0.50% · 4.625%
HK$372,452
+HK$21,362/mo
Deposit HK$8.05M · loan HK$72.44M · min. income ≈ HK$702,180/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$3,420,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$367,536
−HK$19,857/mo
▼ 0.25% · 3.875%
HK$377,393
−HK$10,000/mo
Today · 4.125%
HK$387,393
baseline
▲ 0.50% · 4.625%
HK$407,813
+HK$20,420/mo
Deposit HK$8.05M · loan HK$72.44M · min. income ≈ HK$774,786/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$3,420,869 · Scale 2, in force from 26 Feb 2026)