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$183,701
−HK$11,519/mo
▼ 0.25% · 3.875%
HK$189,415
−HK$5,805/mo
Today · 4.125%
HK$195,220
baseline
▲ 0.50% · 4.625%
HK$207,099
+HK$11,879/mo
Deposit HK$40.28M · loan HK$40.28M · min. income ≈ HK$390,440/mo (50% DSR)
Upfront cash ≈ HK$43.70M (deposit + AVD stamp duty HK$3,423,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,365
−HK$11,041/mo
▼ 0.25% · 3.875%
HK$209,846
−HK$5,560/mo
Today · 4.125%
HK$215,406
baseline
▲ 0.50% · 4.625%
HK$226,761
+HK$11,355/mo
Deposit HK$40.28M · loan HK$40.28M · min. income ≈ HK$430,812/mo (50% DSR)
Upfront cash ≈ HK$43.70M (deposit + AVD stamp duty HK$3,423,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,441
−HK$13,823/mo
▼ 0.25% · 3.875%
HK$227,298
−HK$6,966/mo
Today · 4.125%
HK$234,264
baseline
▲ 0.50% · 4.625%
HK$248,519
+HK$14,255/mo
Deposit HK$32.22M · loan HK$48.34M · min. income ≈ HK$468,528/mo (50% DSR)
Upfront cash ≈ HK$35.65M (deposit + AVD stamp duty HK$3,423,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,238
−HK$13,250/mo
▼ 0.25% · 3.875%
HK$251,815
−HK$6,673/mo
Today · 4.125%
HK$258,488
baseline
▲ 0.50% · 4.625%
HK$272,113
+HK$13,625/mo
Deposit HK$32.22M · loan HK$48.34M · min. income ≈ HK$516,976/mo (50% DSR)
Upfront cash ≈ HK$35.65M (deposit + AVD stamp duty HK$3,423,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,181
−HK$16,128/mo
▼ 0.25% · 3.875%
HK$265,181
−HK$8,128/mo
Today · 4.125%
HK$273,309
baseline
▲ 0.50% · 4.625%
HK$289,939
+HK$16,630/mo
Deposit HK$24.17M · loan HK$56.39M · min. income ≈ HK$546,618/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$3,423,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,111
−HK$15,458/mo
▼ 0.25% · 3.875%
HK$293,785
−HK$7,784/mo
Today · 4.125%
HK$301,569
baseline
▲ 0.50% · 4.625%
HK$317,465
+HK$15,896/mo
Deposit HK$24.17M · loan HK$56.39M · min. income ≈ HK$603,138/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$3,423,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$330,661
−HK$20,736/mo
▼ 0.25% · 3.875%
HK$340,947
−HK$10,450/mo
Today · 4.125%
HK$351,397
baseline
▲ 0.50% · 4.625%
HK$372,778
+HK$21,381/mo
Deposit HK$8.06M · loan HK$72.51M · min. income ≈ HK$702,794/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$3,423,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$367,857
−HK$19,875/mo
▼ 0.25% · 3.875%
HK$377,723
−HK$10,009/mo
Today · 4.125%
HK$387,732
baseline
▲ 0.50% · 4.625%
HK$408,169
+HK$20,437/mo
Deposit HK$8.06M · loan HK$72.51M · min. income ≈ HK$775,464/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$3,423,861 · Scale 2, in force from 26 Feb 2026)