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$182,887
−HK$11,469/mo
▼ 0.25% · 3.875%
HK$188,576
−HK$5,780/mo
Today · 4.125%
HK$194,356
baseline
▲ 0.50% · 4.625%
HK$206,182
+HK$11,826/mo
Deposit HK$40.10M · loan HK$40.10M · min. income ≈ HK$388,712/mo (50% DSR)
Upfront cash ≈ HK$43.51M (deposit + AVD stamp duty HK$3,408,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,460
−HK$10,993/mo
▼ 0.25% · 3.875%
HK$208,917
−HK$5,536/mo
Today · 4.125%
HK$214,453
baseline
▲ 0.50% · 4.625%
HK$225,757
+HK$11,304/mo
Deposit HK$40.10M · loan HK$40.10M · min. income ≈ HK$428,906/mo (50% DSR)
Upfront cash ≈ HK$43.51M (deposit + AVD stamp duty HK$3,408,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,465
−HK$13,762/mo
▼ 0.25% · 3.875%
HK$226,292
−HK$6,935/mo
Today · 4.125%
HK$233,227
baseline
▲ 0.50% · 4.625%
HK$247,419
+HK$14,192/mo
Deposit HK$32.08M · loan HK$48.12M · min. income ≈ HK$466,454/mo (50% DSR)
Upfront cash ≈ HK$35.49M (deposit + AVD stamp duty HK$3,408,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,153
−HK$13,190/mo
▼ 0.25% · 3.875%
HK$250,701
−HK$6,642/mo
Today · 4.125%
HK$257,343
baseline
▲ 0.50% · 4.625%
HK$270,908
+HK$13,565/mo
Deposit HK$32.08M · loan HK$48.12M · min. income ≈ HK$514,686/mo (50% DSR)
Upfront cash ≈ HK$35.49M (deposit + AVD stamp duty HK$3,408,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,042
−HK$16,057/mo
▼ 0.25% · 3.875%
HK$264,007
−HK$8,092/mo
Today · 4.125%
HK$272,099
baseline
▲ 0.50% · 4.625%
HK$288,655
+HK$16,556/mo
Deposit HK$24.06M · loan HK$56.14M · min. income ≈ HK$544,198/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$3,408,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,845
−HK$15,389/mo
▼ 0.25% · 3.875%
HK$292,484
−HK$7,750/mo
Today · 4.125%
HK$300,234
baseline
▲ 0.50% · 4.625%
HK$316,060
+HK$15,826/mo
Deposit HK$24.06M · loan HK$56.14M · min. income ≈ HK$600,468/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$3,408,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$329,197
−HK$20,644/mo
▼ 0.25% · 3.875%
HK$339,437
−HK$10,404/mo
Today · 4.125%
HK$349,841
baseline
▲ 0.50% · 4.625%
HK$371,128
+HK$21,287/mo
Deposit HK$8.02M · loan HK$72.18M · min. income ≈ HK$699,682/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$3,408,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$366,229
−HK$19,786/mo
▼ 0.25% · 3.875%
HK$376,051
−HK$9,964/mo
Today · 4.125%
HK$386,015
baseline
▲ 0.50% · 4.625%
HK$406,362
+HK$20,347/mo
Deposit HK$8.02M · loan HK$72.18M · min. income ≈ HK$772,030/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$3,408,704 · Scale 2, in force from 26 Feb 2026)