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$193,300
−HK$12,121/mo
▼ 0.25% · 3.875%
HK$199,312
−HK$6,109/mo
Today · 4.125%
HK$205,421
baseline
▲ 0.50% · 4.625%
HK$217,921
+HK$12,500/mo
Deposit HK$42.39M · loan HK$42.39M · min. income ≈ HK$410,842/mo (50% DSR)
Upfront cash ≈ HK$45.99M (deposit + AVD stamp duty HK$3,602,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,044
−HK$11,618/mo
▼ 0.25% · 3.875%
HK$220,811
−HK$5,851/mo
Today · 4.125%
HK$226,662
baseline
▲ 0.50% · 4.625%
HK$238,610
+HK$11,948/mo
Deposit HK$42.39M · loan HK$42.39M · min. income ≈ HK$453,324/mo (50% DSR)
Upfront cash ≈ HK$45.99M (deposit + AVD stamp duty HK$3,602,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,960
−HK$14,546/mo
▼ 0.25% · 3.875%
HK$239,175
−HK$7,331/mo
Today · 4.125%
HK$246,506
baseline
▲ 0.50% · 4.625%
HK$261,505
+HK$14,999/mo
Deposit HK$33.91M · loan HK$50.86M · min. income ≈ HK$493,012/mo (50% DSR)
Upfront cash ≈ HK$37.51M (deposit + AVD stamp duty HK$3,602,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,053
−HK$13,942/mo
▼ 0.25% · 3.875%
HK$264,974
−HK$7,021/mo
Today · 4.125%
HK$271,995
baseline
▲ 0.50% · 4.625%
HK$286,332
+HK$14,337/mo
Deposit HK$33.91M · loan HK$50.86M · min. income ≈ HK$543,990/mo (50% DSR)
Upfront cash ≈ HK$37.51M (deposit + AVD stamp duty HK$3,602,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,620
−HK$16,970/mo
▼ 0.25% · 3.875%
HK$279,037
−HK$8,553/mo
Today · 4.125%
HK$287,590
baseline
▲ 0.50% · 4.625%
HK$305,089
+HK$17,499/mo
Deposit HK$25.43M · loan HK$59.34M · min. income ≈ HK$575,180/mo (50% DSR)
Upfront cash ≈ HK$29.03M (deposit + AVD stamp duty HK$3,602,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,062
−HK$16,265/mo
▼ 0.25% · 3.875%
HK$309,136
−HK$8,191/mo
Today · 4.125%
HK$317,327
baseline
▲ 0.50% · 4.625%
HK$334,054
+HK$16,727/mo
Deposit HK$25.43M · loan HK$59.34M · min. income ≈ HK$634,654/mo (50% DSR)
Upfront cash ≈ HK$29.03M (deposit + AVD stamp duty HK$3,602,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$347,940
−HK$21,818/mo
▼ 0.25% · 3.875%
HK$358,762
−HK$10,996/mo
Today · 4.125%
HK$369,758
baseline
▲ 0.50% · 4.625%
HK$392,257
+HK$22,499/mo
Deposit HK$8.48M · loan HK$76.29M · min. income ≈ HK$739,516/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$3,602,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$387,079
−HK$20,913/mo
▼ 0.25% · 3.875%
HK$397,460
−HK$10,532/mo
Today · 4.125%
HK$407,992
baseline
▲ 0.50% · 4.625%
HK$429,498
+HK$21,506/mo
Deposit HK$8.48M · loan HK$76.29M · min. income ≈ HK$815,984/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$3,602,770 · Scale 2, in force from 26 Feb 2026)