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$180,702
−HK$11,332/mo
▼ 0.25% · 3.875%
HK$186,323
−HK$5,711/mo
Today · 4.125%
HK$192,034
baseline
▲ 0.50% · 4.625%
HK$203,719
+HK$11,685/mo
Deposit HK$39.62M · loan HK$39.62M · min. income ≈ HK$384,068/mo (50% DSR)
Upfront cash ≈ HK$42.99M (deposit + AVD stamp duty HK$3,367,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,030
−HK$10,861/mo
▼ 0.25% · 3.875%
HK$206,421
−HK$5,470/mo
Today · 4.125%
HK$211,891
baseline
▲ 0.50% · 4.625%
HK$223,060
+HK$11,169/mo
Deposit HK$39.62M · loan HK$39.62M · min. income ≈ HK$423,782/mo (50% DSR)
Upfront cash ≈ HK$42.99M (deposit + AVD stamp duty HK$3,367,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,843
−HK$13,598/mo
▼ 0.25% · 3.875%
HK$223,588
−HK$6,853/mo
Today · 4.125%
HK$230,441
baseline
▲ 0.50% · 4.625%
HK$244,463
+HK$14,022/mo
Deposit HK$31.70M · loan HK$47.55M · min. income ≈ HK$460,882/mo (50% DSR)
Upfront cash ≈ HK$35.07M (deposit + AVD stamp duty HK$3,367,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,236
−HK$13,033/mo
▼ 0.25% · 3.875%
HK$247,705
−HK$6,564/mo
Today · 4.125%
HK$254,269
baseline
▲ 0.50% · 4.625%
HK$267,672
+HK$13,403/mo
Deposit HK$31.70M · loan HK$47.55M · min. income ≈ HK$508,538/mo (50% DSR)
Upfront cash ≈ HK$35.07M (deposit + AVD stamp duty HK$3,367,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,983
−HK$15,865/mo
▼ 0.25% · 3.875%
HK$260,853
−HK$7,995/mo
Today · 4.125%
HK$268,848
baseline
▲ 0.50% · 4.625%
HK$285,206
+HK$16,358/mo
Deposit HK$23.77M · loan HK$55.47M · min. income ≈ HK$537,696/mo (50% DSR)
Upfront cash ≈ HK$27.14M (deposit + AVD stamp duty HK$3,367,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,442
−HK$15,205/mo
▼ 0.25% · 3.875%
HK$288,990
−HK$7,657/mo
Today · 4.125%
HK$296,647
baseline
▲ 0.50% · 4.625%
HK$312,284
+HK$15,637/mo
Deposit HK$23.77M · loan HK$55.47M · min. income ≈ HK$593,294/mo (50% DSR)
Upfront cash ≈ HK$27.14M (deposit + AVD stamp duty HK$3,367,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$325,264
−HK$20,397/mo
▼ 0.25% · 3.875%
HK$335,382
−HK$10,279/mo
Today · 4.125%
HK$345,661
baseline
▲ 0.50% · 4.625%
HK$366,694
+HK$21,033/mo
Deposit HK$7.92M · loan HK$71.32M · min. income ≈ HK$691,322/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$3,367,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$361,853
−HK$19,550/mo
▼ 0.25% · 3.875%
HK$371,558
−HK$9,845/mo
Today · 4.125%
HK$381,403
baseline
▲ 0.50% · 4.625%
HK$401,508
+HK$20,105/mo
Deposit HK$7.92M · loan HK$71.32M · min. income ≈ HK$762,806/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$3,367,979 · Scale 2, in force from 26 Feb 2026)