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$187,480
−HK$11,757/mo
▼ 0.25% · 3.875%
HK$193,312
−HK$5,925/mo
Today · 4.125%
HK$199,237
baseline
▲ 0.50% · 4.625%
HK$211,360
+HK$12,123/mo
Deposit HK$41.11M · loan HK$41.11M · min. income ≈ HK$398,474/mo (50% DSR)
Upfront cash ≈ HK$44.60M (deposit + AVD stamp duty HK$3,494,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,570
−HK$11,269/mo
▼ 0.25% · 3.875%
HK$214,164
−HK$5,675/mo
Today · 4.125%
HK$219,839
baseline
▲ 0.50% · 4.625%
HK$231,427
+HK$11,588/mo
Deposit HK$41.11M · loan HK$41.11M · min. income ≈ HK$439,678/mo (50% DSR)
Upfront cash ≈ HK$44.60M (deposit + AVD stamp duty HK$3,494,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,977
−HK$14,108/mo
▼ 0.25% · 3.875%
HK$231,975
−HK$7,110/mo
Today · 4.125%
HK$239,085
baseline
▲ 0.50% · 4.625%
HK$253,632
+HK$14,547/mo
Deposit HK$32.89M · loan HK$49.33M · min. income ≈ HK$478,170/mo (50% DSR)
Upfront cash ≈ HK$36.38M (deposit + AVD stamp duty HK$3,494,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,284
−HK$13,522/mo
▼ 0.25% · 3.875%
HK$256,997
−HK$6,809/mo
Today · 4.125%
HK$263,806
baseline
▲ 0.50% · 4.625%
HK$277,712
+HK$13,906/mo
Deposit HK$32.89M · loan HK$49.33M · min. income ≈ HK$527,612/mo (50% DSR)
Upfront cash ≈ HK$36.38M (deposit + AVD stamp duty HK$3,494,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,473
−HK$16,459/mo
▼ 0.25% · 3.875%
HK$270,637
−HK$8,295/mo
Today · 4.125%
HK$278,932
baseline
▲ 0.50% · 4.625%
HK$295,904
+HK$16,972/mo
Deposit HK$24.67M · loan HK$57.55M · min. income ≈ HK$557,864/mo (50% DSR)
Upfront cash ≈ HK$28.16M (deposit + AVD stamp duty HK$3,494,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,998
−HK$15,776/mo
▼ 0.25% · 3.875%
HK$299,829
−HK$7,945/mo
Today · 4.125%
HK$307,774
baseline
▲ 0.50% · 4.625%
HK$323,997
+HK$16,223/mo
Deposit HK$24.67M · loan HK$57.55M · min. income ≈ HK$615,548/mo (50% DSR)
Upfront cash ≈ HK$28.16M (deposit + AVD stamp duty HK$3,494,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$337,465
−HK$21,162/mo
▼ 0.25% · 3.875%
HK$347,962
−HK$10,665/mo
Today · 4.125%
HK$358,627
baseline
▲ 0.50% · 4.625%
HK$380,448
+HK$21,821/mo
Deposit HK$8.22M · loan HK$74.00M · min. income ≈ HK$717,254/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$3,494,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$375,426
−HK$20,283/mo
▼ 0.25% · 3.875%
HK$385,495
−HK$10,214/mo
Today · 4.125%
HK$395,709
baseline
▲ 0.50% · 4.625%
HK$416,568
+HK$20,859/mo
Deposit HK$8.22M · loan HK$74.00M · min. income ≈ HK$791,418/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$3,494,309 · Scale 2, in force from 26 Feb 2026)