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$197,592
−HK$12,391/mo
▼ 0.25% · 3.875%
HK$203,738
−HK$6,245/mo
Today · 4.125%
HK$209,983
baseline
▲ 0.50% · 4.625%
HK$222,760
+HK$12,777/mo
Deposit HK$43.33M · loan HK$43.33M · min. income ≈ HK$419,966/mo (50% DSR)
Upfront cash ≈ HK$47.01M (deposit + AVD stamp duty HK$3,682,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,819
−HK$11,877/mo
▼ 0.25% · 3.875%
HK$225,715
−HK$5,981/mo
Today · 4.125%
HK$231,696
baseline
▲ 0.50% · 4.625%
HK$243,909
+HK$12,213/mo
Deposit HK$43.33M · loan HK$43.33M · min. income ≈ HK$463,392/mo (50% DSR)
Upfront cash ≈ HK$47.01M (deposit + AVD stamp duty HK$3,682,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,111
−HK$14,869/mo
▼ 0.25% · 3.875%
HK$244,486
−HK$7,494/mo
Today · 4.125%
HK$251,980
baseline
▲ 0.50% · 4.625%
HK$267,312
+HK$15,332/mo
Deposit HK$34.66M · loan HK$51.99M · min. income ≈ HK$503,960/mo (50% DSR)
Upfront cash ≈ HK$38.34M (deposit + AVD stamp duty HK$3,682,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,783
−HK$14,252/mo
▼ 0.25% · 3.875%
HK$270,858
−HK$7,177/mo
Today · 4.125%
HK$278,035
baseline
▲ 0.50% · 4.625%
HK$292,690
+HK$14,655/mo
Deposit HK$34.66M · loan HK$51.99M · min. income ≈ HK$556,070/mo (50% DSR)
Upfront cash ≈ HK$38.34M (deposit + AVD stamp duty HK$3,682,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,629
−HK$17,347/mo
▼ 0.25% · 3.875%
HK$285,234
−HK$8,742/mo
Today · 4.125%
HK$293,976
baseline
▲ 0.50% · 4.625%
HK$311,864
+HK$17,888/mo
Deposit HK$26.00M · loan HK$60.66M · min. income ≈ HK$587,952/mo (50% DSR)
Upfront cash ≈ HK$29.68M (deposit + AVD stamp duty HK$3,682,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$307,747
−HK$16,627/mo
▼ 0.25% · 3.875%
HK$316,001
−HK$8,373/mo
Today · 4.125%
HK$324,374
baseline
▲ 0.50% · 4.625%
HK$341,472
+HK$17,098/mo
Deposit HK$26.00M · loan HK$60.66M · min. income ≈ HK$648,748/mo (50% DSR)
Upfront cash ≈ HK$29.68M (deposit + AVD stamp duty HK$3,682,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$355,666
−HK$22,303/mo
▼ 0.25% · 3.875%
HK$366,729
−HK$11,240/mo
Today · 4.125%
HK$377,969
baseline
▲ 0.50% · 4.625%
HK$400,968
+HK$22,999/mo
Deposit HK$8.67M · loan HK$77.99M · min. income ≈ HK$755,938/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$3,682,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$395,675
−HK$21,377/mo
▼ 0.25% · 3.875%
HK$406,287
−HK$10,765/mo
Today · 4.125%
HK$417,052
baseline
▲ 0.50% · 4.625%
HK$439,035
+HK$21,983/mo
Deposit HK$8.67M · loan HK$77.99M · min. income ≈ HK$834,104/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$3,682,775 · Scale 2, in force from 26 Feb 2026)