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$185,158
−HK$11,611/mo
▼ 0.25% · 3.875%
HK$190,918
−HK$5,851/mo
Today · 4.125%
HK$196,769
baseline
▲ 0.50% · 4.625%
HK$208,742
+HK$11,973/mo
Deposit HK$40.60M · loan HK$40.60M · min. income ≈ HK$393,538/mo (50% DSR)
Upfront cash ≈ HK$44.05M (deposit + AVD stamp duty HK$3,451,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,987
−HK$11,129/mo
▼ 0.25% · 3.875%
HK$211,511
−HK$5,605/mo
Today · 4.125%
HK$217,116
baseline
▲ 0.50% · 4.625%
HK$228,560
+HK$11,444/mo
Deposit HK$40.60M · loan HK$40.60M · min. income ≈ HK$434,232/mo (50% DSR)
Upfront cash ≈ HK$44.05M (deposit + AVD stamp duty HK$3,451,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,190
−HK$13,933/mo
▼ 0.25% · 3.875%
HK$229,101
−HK$7,022/mo
Today · 4.125%
HK$236,123
baseline
▲ 0.50% · 4.625%
HK$250,491
+HK$14,368/mo
Deposit HK$32.48M · loan HK$48.72M · min. income ≈ HK$472,246/mo (50% DSR)
Upfront cash ≈ HK$35.93M (deposit + AVD stamp duty HK$3,451,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,184
−HK$13,355/mo
▼ 0.25% · 3.875%
HK$253,814
−HK$6,725/mo
Today · 4.125%
HK$260,539
baseline
▲ 0.50% · 4.625%
HK$274,272
+HK$13,733/mo
Deposit HK$32.48M · loan HK$48.72M · min. income ≈ HK$521,078/mo (50% DSR)
Upfront cash ≈ HK$35.93M (deposit + AVD stamp duty HK$3,451,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,222
−HK$16,255/mo
▼ 0.25% · 3.875%
HK$267,285
−HK$8,192/mo
Today · 4.125%
HK$275,477
baseline
▲ 0.50% · 4.625%
HK$292,239
+HK$16,762/mo
Deposit HK$24.36M · loan HK$56.84M · min. income ≈ HK$550,954/mo (50% DSR)
Upfront cash ≈ HK$27.81M (deposit + AVD stamp duty HK$3,451,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$288,382
−HK$15,580/mo
▼ 0.25% · 3.875%
HK$296,116
−HK$7,846/mo
Today · 4.125%
HK$303,962
baseline
▲ 0.50% · 4.625%
HK$319,984
+HK$16,022/mo
Deposit HK$24.36M · loan HK$56.84M · min. income ≈ HK$607,924/mo (50% DSR)
Upfront cash ≈ HK$27.81M (deposit + AVD stamp duty HK$3,451,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$333,285
−HK$20,900/mo
▼ 0.25% · 3.875%
HK$343,652
−HK$10,533/mo
Today · 4.125%
HK$354,185
baseline
▲ 0.50% · 4.625%
HK$375,736
+HK$21,551/mo
Deposit HK$8.12M · loan HK$73.08M · min. income ≈ HK$708,370/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$3,451,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$370,776
−HK$20,032/mo
▼ 0.25% · 3.875%
HK$380,720
−HK$10,088/mo
Today · 4.125%
HK$390,808
baseline
▲ 0.50% · 4.625%
HK$411,408
+HK$20,600/mo
Deposit HK$8.12M · loan HK$73.08M · min. income ≈ HK$781,616/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$3,451,030 · Scale 2, in force from 26 Feb 2026)