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$199,689
−HK$12,522/mo
▼ 0.25% · 3.875%
HK$205,900
−HK$6,311/mo
Today · 4.125%
HK$212,211
baseline
▲ 0.50% · 4.625%
HK$225,123
+HK$12,912/mo
Deposit HK$43.79M · loan HK$43.79M · min. income ≈ HK$424,422/mo (50% DSR)
Upfront cash ≈ HK$47.51M (deposit + AVD stamp duty HK$3,721,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,152
−HK$12,002/mo
▼ 0.25% · 3.875%
HK$228,110
−HK$6,044/mo
Today · 4.125%
HK$234,154
baseline
▲ 0.50% · 4.625%
HK$246,496
+HK$12,342/mo
Deposit HK$43.79M · loan HK$43.79M · min. income ≈ HK$468,308/mo (50% DSR)
Upfront cash ≈ HK$47.51M (deposit + AVD stamp duty HK$3,721,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,626
−HK$15,027/mo
▼ 0.25% · 3.875%
HK$247,080
−HK$7,573/mo
Today · 4.125%
HK$254,653
baseline
▲ 0.50% · 4.625%
HK$270,148
+HK$15,495/mo
Deposit HK$35.03M · loan HK$52.54M · min. income ≈ HK$509,306/mo (50% DSR)
Upfront cash ≈ HK$38.75M (deposit + AVD stamp duty HK$3,721,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,582
−HK$14,403/mo
▼ 0.25% · 3.875%
HK$273,732
−HK$7,253/mo
Today · 4.125%
HK$280,985
baseline
▲ 0.50% · 4.625%
HK$295,796
+HK$14,811/mo
Deposit HK$35.03M · loan HK$52.54M · min. income ≈ HK$561,970/mo (50% DSR)
Upfront cash ≈ HK$38.75M (deposit + AVD stamp duty HK$3,721,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,564
−HK$17,531/mo
▼ 0.25% · 3.875%
HK$288,260
−HK$8,835/mo
Today · 4.125%
HK$297,095
baseline
▲ 0.50% · 4.625%
HK$315,173
+HK$18,078/mo
Deposit HK$26.27M · loan HK$61.30M · min. income ≈ HK$594,190/mo (50% DSR)
Upfront cash ≈ HK$29.99M (deposit + AVD stamp duty HK$3,721,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,012
−HK$16,803/mo
▼ 0.25% · 3.875%
HK$319,353
−HK$8,462/mo
Today · 4.125%
HK$327,815
baseline
▲ 0.50% · 4.625%
HK$345,095
+HK$17,280/mo
Deposit HK$26.27M · loan HK$61.30M · min. income ≈ HK$655,630/mo (50% DSR)
Upfront cash ≈ HK$29.99M (deposit + AVD stamp duty HK$3,721,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$359,440
−HK$22,540/mo
▼ 0.25% · 3.875%
HK$370,620
−HK$11,360/mo
Today · 4.125%
HK$381,980
baseline
▲ 0.50% · 4.625%
HK$405,222
+HK$23,242/mo
Deposit HK$8.76M · loan HK$78.82M · min. income ≈ HK$763,960/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$3,721,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$399,873
−HK$21,604/mo
▼ 0.25% · 3.875%
HK$410,597
−HK$10,880/mo
Today · 4.125%
HK$421,477
baseline
▲ 0.50% · 4.625%
HK$443,693
+HK$22,216/mo
Deposit HK$8.76M · loan HK$78.82M · min. income ≈ HK$842,954/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$3,721,849 · Scale 2, in force from 26 Feb 2026)