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$182,868
−HK$11,467/mo
▼ 0.25% · 3.875%
HK$188,556
−HK$5,779/mo
Today · 4.125%
HK$194,335
baseline
▲ 0.50% · 4.625%
HK$206,160
+HK$11,825/mo
Deposit HK$40.10M · loan HK$40.10M · min. income ≈ HK$388,670/mo (50% DSR)
Upfront cash ≈ HK$43.51M (deposit + AVD stamp duty HK$3,408,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,439
−HK$10,991/mo
▼ 0.25% · 3.875%
HK$208,895
−HK$5,535/mo
Today · 4.125%
HK$214,430
baseline
▲ 0.50% · 4.625%
HK$225,733
+HK$11,303/mo
Deposit HK$40.10M · loan HK$40.10M · min. income ≈ HK$428,860/mo (50% DSR)
Upfront cash ≈ HK$43.51M (deposit + AVD stamp duty HK$3,408,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,442
−HK$13,760/mo
▼ 0.25% · 3.875%
HK$226,267
−HK$6,935/mo
Today · 4.125%
HK$233,202
baseline
▲ 0.50% · 4.625%
HK$247,392
+HK$14,190/mo
Deposit HK$32.08M · loan HK$48.12M · min. income ≈ HK$466,404/mo (50% DSR)
Upfront cash ≈ HK$35.49M (deposit + AVD stamp duty HK$3,408,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,126
−HK$13,190/mo
▼ 0.25% · 3.875%
HK$250,674
−HK$6,642/mo
Today · 4.125%
HK$257,316
baseline
▲ 0.50% · 4.625%
HK$270,879
+HK$13,563/mo
Deposit HK$32.08M · loan HK$48.12M · min. income ≈ HK$514,632/mo (50% DSR)
Upfront cash ≈ HK$35.49M (deposit + AVD stamp duty HK$3,408,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,015
−HK$16,055/mo
▼ 0.25% · 3.875%
HK$263,979
−HK$8,091/mo
Today · 4.125%
HK$272,070
baseline
▲ 0.50% · 4.625%
HK$288,624
+HK$16,554/mo
Deposit HK$24.06M · loan HK$56.14M · min. income ≈ HK$544,140/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$3,408,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,814
−HK$15,388/mo
▼ 0.25% · 3.875%
HK$292,453
−HK$7,749/mo
Today · 4.125%
HK$300,202
baseline
▲ 0.50% · 4.625%
HK$316,026
+HK$15,824/mo
Deposit HK$24.06M · loan HK$56.14M · min. income ≈ HK$600,404/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$3,408,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$329,162
−HK$20,642/mo
▼ 0.25% · 3.875%
HK$339,401
−HK$10,403/mo
Today · 4.125%
HK$349,804
baseline
▲ 0.50% · 4.625%
HK$371,088
+HK$21,284/mo
Deposit HK$8.02M · loan HK$72.18M · min. income ≈ HK$699,608/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$3,408,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$366,190
−HK$19,784/mo
▼ 0.25% · 3.875%
HK$376,011
−HK$9,963/mo
Today · 4.125%
HK$385,974
baseline
▲ 0.50% · 4.625%
HK$406,319
+HK$20,345/mo
Deposit HK$8.02M · loan HK$72.18M · min. income ≈ HK$771,948/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$3,408,340 · Scale 2, in force from 26 Feb 2026)