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$193,641
−HK$12,143/mo
▼ 0.25% · 3.875%
HK$199,665
−HK$6,119/mo
Today · 4.125%
HK$205,784
baseline
▲ 0.50% · 4.625%
HK$218,306
+HK$12,522/mo
Deposit HK$42.46M · loan HK$42.46M · min. income ≈ HK$411,568/mo (50% DSR)
Upfront cash ≈ HK$46.07M (deposit + AVD stamp duty HK$3,609,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,424
−HK$11,639/mo
▼ 0.25% · 3.875%
HK$221,202
−HK$5,861/mo
Today · 4.125%
HK$227,063
baseline
▲ 0.50% · 4.625%
HK$239,032
+HK$11,969/mo
Deposit HK$42.46M · loan HK$42.46M · min. income ≈ HK$454,126/mo (50% DSR)
Upfront cash ≈ HK$46.07M (deposit + AVD stamp duty HK$3,609,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,370
−HK$14,571/mo
▼ 0.25% · 3.875%
HK$239,598
−HK$7,343/mo
Today · 4.125%
HK$246,941
baseline
▲ 0.50% · 4.625%
HK$261,967
+HK$15,026/mo
Deposit HK$33.97M · loan HK$50.95M · min. income ≈ HK$493,882/mo (50% DSR)
Upfront cash ≈ HK$37.58M (deposit + AVD stamp duty HK$3,609,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,509
−HK$13,966/mo
▼ 0.25% · 3.875%
HK$265,442
−HK$7,033/mo
Today · 4.125%
HK$272,475
baseline
▲ 0.50% · 4.625%
HK$286,838
+HK$14,363/mo
Deposit HK$33.97M · loan HK$50.95M · min. income ≈ HK$544,950/mo (50% DSR)
Upfront cash ≈ HK$37.58M (deposit + AVD stamp duty HK$3,609,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,098
−HK$17,000/mo
▼ 0.25% · 3.875%
HK$279,531
−HK$8,567/mo
Today · 4.125%
HK$288,098
baseline
▲ 0.50% · 4.625%
HK$305,628
+HK$17,530/mo
Deposit HK$25.48M · loan HK$59.44M · min. income ≈ HK$576,196/mo (50% DSR)
Upfront cash ≈ HK$29.09M (deposit + AVD stamp duty HK$3,609,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,594
−HK$16,294/mo
▼ 0.25% · 3.875%
HK$309,682
−HK$8,206/mo
Today · 4.125%
HK$317,888
baseline
▲ 0.50% · 4.625%
HK$334,644
+HK$16,756/mo
Deposit HK$25.48M · loan HK$59.44M · min. income ≈ HK$635,776/mo (50% DSR)
Upfront cash ≈ HK$29.09M (deposit + AVD stamp duty HK$3,609,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$348,555
−HK$21,857/mo
▼ 0.25% · 3.875%
HK$359,397
−HK$11,015/mo
Today · 4.125%
HK$370,412
baseline
▲ 0.50% · 4.625%
HK$392,951
+HK$22,539/mo
Deposit HK$8.49M · loan HK$76.43M · min. income ≈ HK$740,824/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$3,609,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$387,763
−HK$20,950/mo
▼ 0.25% · 3.875%
HK$398,163
−HK$10,550/mo
Today · 4.125%
HK$408,713
baseline
▲ 0.50% · 4.625%
HK$430,257
+HK$21,544/mo
Deposit HK$8.49M · loan HK$76.43M · min. income ≈ HK$817,426/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$3,609,139 · Scale 2, in force from 26 Feb 2026)