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$199,490
−HK$12,510/mo
▼ 0.25% · 3.875%
HK$205,696
−HK$6,304/mo
Today · 4.125%
HK$212,000
baseline
▲ 0.50% · 4.625%
HK$224,900
+HK$12,900/mo
Deposit HK$43.74M · loan HK$43.74M · min. income ≈ HK$424,000/mo (50% DSR)
Upfront cash ≈ HK$47.46M (deposit + AVD stamp duty HK$3,718,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,931
−HK$11,990/mo
▼ 0.25% · 3.875%
HK$227,883
−HK$6,038/mo
Today · 4.125%
HK$233,921
baseline
▲ 0.50% · 4.625%
HK$246,251
+HK$12,330/mo
Deposit HK$43.74M · loan HK$43.74M · min. income ≈ HK$467,842/mo (50% DSR)
Upfront cash ≈ HK$47.46M (deposit + AVD stamp duty HK$3,718,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,388
−HK$15,012/mo
▼ 0.25% · 3.875%
HK$246,835
−HK$7,565/mo
Today · 4.125%
HK$254,400
baseline
▲ 0.50% · 4.625%
HK$269,880
+HK$15,480/mo
Deposit HK$34.99M · loan HK$52.49M · min. income ≈ HK$508,800/mo (50% DSR)
Upfront cash ≈ HK$38.71M (deposit + AVD stamp duty HK$3,718,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,317
−HK$14,388/mo
▼ 0.25% · 3.875%
HK$273,460
−HK$7,245/mo
Today · 4.125%
HK$280,705
baseline
▲ 0.50% · 4.625%
HK$295,502
+HK$14,797/mo
Deposit HK$34.99M · loan HK$52.49M · min. income ≈ HK$561,410/mo (50% DSR)
Upfront cash ≈ HK$38.71M (deposit + AVD stamp duty HK$3,718,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,286
−HK$17,514/mo
▼ 0.25% · 3.875%
HK$287,974
−HK$8,826/mo
Today · 4.125%
HK$296,800
baseline
▲ 0.50% · 4.625%
HK$314,860
+HK$18,060/mo
Deposit HK$26.25M · loan HK$61.24M · min. income ≈ HK$593,600/mo (50% DSR)
Upfront cash ≈ HK$29.96M (deposit + AVD stamp duty HK$3,718,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,703
−HK$16,787/mo
▼ 0.25% · 3.875%
HK$319,036
−HK$8,454/mo
Today · 4.125%
HK$327,490
baseline
▲ 0.50% · 4.625%
HK$344,752
+HK$17,262/mo
Deposit HK$26.25M · loan HK$61.24M · min. income ≈ HK$654,980/mo (50% DSR)
Upfront cash ≈ HK$29.96M (deposit + AVD stamp duty HK$3,718,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$359,082
−HK$22,518/mo
▼ 0.25% · 3.875%
HK$370,252
−HK$11,348/mo
Today · 4.125%
HK$381,600
baseline
▲ 0.50% · 4.625%
HK$404,820
+HK$23,220/mo
Deposit HK$8.75M · loan HK$78.74M · min. income ≈ HK$763,200/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$3,718,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$399,476
−HK$21,582/mo
▼ 0.25% · 3.875%
HK$410,189
−HK$10,869/mo
Today · 4.125%
HK$421,058
baseline
▲ 0.50% · 4.625%
HK$443,253
+HK$22,195/mo
Deposit HK$8.75M · loan HK$78.74M · min. income ≈ HK$842,116/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$3,718,150 · Scale 2, in force from 26 Feb 2026)