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$200,167
−HK$12,552/mo
▼ 0.25% · 3.875%
HK$206,393
−HK$6,326/mo
Today · 4.125%
HK$212,719
baseline
▲ 0.50% · 4.625%
HK$225,663
+HK$12,944/mo
Deposit HK$43.89M · loan HK$43.89M · min. income ≈ HK$425,438/mo (50% DSR)
Upfront cash ≈ HK$47.62M (deposit + AVD stamp duty HK$3,730,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,684
−HK$12,031/mo
▼ 0.25% · 3.875%
HK$228,656
−HK$6,059/mo
Today · 4.125%
HK$234,715
baseline
▲ 0.50% · 4.625%
HK$247,087
+HK$12,372/mo
Deposit HK$43.89M · loan HK$43.89M · min. income ≈ HK$469,430/mo (50% DSR)
Upfront cash ≈ HK$47.62M (deposit + AVD stamp duty HK$3,730,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,200
−HK$15,063/mo
▼ 0.25% · 3.875%
HK$247,672
−HK$7,591/mo
Today · 4.125%
HK$255,263
baseline
▲ 0.50% · 4.625%
HK$270,795
+HK$15,532/mo
Deposit HK$35.11M · loan HK$52.67M · min. income ≈ HK$510,526/mo (50% DSR)
Upfront cash ≈ HK$38.84M (deposit + AVD stamp duty HK$3,730,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,220
−HK$14,438/mo
▼ 0.25% · 3.875%
HK$274,387
−HK$7,271/mo
Today · 4.125%
HK$281,658
baseline
▲ 0.50% · 4.625%
HK$296,504
+HK$14,846/mo
Deposit HK$35.11M · loan HK$52.67M · min. income ≈ HK$563,316/mo (50% DSR)
Upfront cash ≈ HK$38.84M (deposit + AVD stamp duty HK$3,730,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,234
−HK$17,573/mo
▼ 0.25% · 3.875%
HK$288,951
−HK$8,856/mo
Today · 4.125%
HK$297,807
baseline
▲ 0.50% · 4.625%
HK$315,928
+HK$18,121/mo
Deposit HK$26.33M · loan HK$61.45M · min. income ≈ HK$595,614/mo (50% DSR)
Upfront cash ≈ HK$30.07M (deposit + AVD stamp duty HK$3,730,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,757
−HK$16,843/mo
▼ 0.25% · 3.875%
HK$320,118
−HK$8,482/mo
Today · 4.125%
HK$328,600
baseline
▲ 0.50% · 4.625%
HK$345,921
+HK$17,321/mo
Deposit HK$26.33M · loan HK$61.45M · min. income ≈ HK$657,200/mo (50% DSR)
Upfront cash ≈ HK$30.07M (deposit + AVD stamp duty HK$3,730,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$360,301
−HK$22,594/mo
▼ 0.25% · 3.875%
HK$371,508
−HK$11,387/mo
Today · 4.125%
HK$382,895
baseline
▲ 0.50% · 4.625%
HK$406,193
+HK$23,298/mo
Deposit HK$8.78M · loan HK$79.00M · min. income ≈ HK$765,790/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$3,730,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$400,831
−HK$21,655/mo
▼ 0.25% · 3.875%
HK$411,581
−HK$10,905/mo
Today · 4.125%
HK$422,486
baseline
▲ 0.50% · 4.625%
HK$444,756
+HK$22,270/mo
Deposit HK$8.78M · loan HK$79.00M · min. income ≈ HK$844,972/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$3,730,763 · Scale 2, in force from 26 Feb 2026)