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$182,647
−HK$11,453/mo
▼ 0.25% · 3.875%
HK$188,328
−HK$5,772/mo
Today · 4.125%
HK$194,100
baseline
▲ 0.50% · 4.625%
HK$205,911
+HK$11,811/mo
Deposit HK$40.05M · loan HK$40.05M · min. income ≈ HK$388,200/mo (50% DSR)
Upfront cash ≈ HK$43.45M (deposit + AVD stamp duty HK$3,404,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,193
−HK$10,978/mo
▼ 0.25% · 3.875%
HK$208,642
−HK$5,529/mo
Today · 4.125%
HK$214,171
baseline
▲ 0.50% · 4.625%
HK$225,460
+HK$11,289/mo
Deposit HK$40.05M · loan HK$40.05M · min. income ≈ HK$428,342/mo (50% DSR)
Upfront cash ≈ HK$43.45M (deposit + AVD stamp duty HK$3,404,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,176
−HK$13,744/mo
▼ 0.25% · 3.875%
HK$225,994
−HK$6,926/mo
Today · 4.125%
HK$232,920
baseline
▲ 0.50% · 4.625%
HK$247,093
+HK$14,173/mo
Deposit HK$32.04M · loan HK$48.06M · min. income ≈ HK$465,840/mo (50% DSR)
Upfront cash ≈ HK$35.44M (deposit + AVD stamp duty HK$3,404,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,831
−HK$13,174/mo
▼ 0.25% · 3.875%
HK$250,371
−HK$6,634/mo
Today · 4.125%
HK$257,005
baseline
▲ 0.50% · 4.625%
HK$270,552
+HK$13,547/mo
Deposit HK$32.04M · loan HK$48.06M · min. income ≈ HK$514,010/mo (50% DSR)
Upfront cash ≈ HK$35.44M (deposit + AVD stamp duty HK$3,404,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,706
−HK$16,035/mo
▼ 0.25% · 3.875%
HK$263,659
−HK$8,082/mo
Today · 4.125%
HK$271,741
baseline
▲ 0.50% · 4.625%
HK$288,275
+HK$16,534/mo
Deposit HK$24.03M · loan HK$56.07M · min. income ≈ HK$543,482/mo (50% DSR)
Upfront cash ≈ HK$27.43M (deposit + AVD stamp duty HK$3,404,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,470
−HK$15,369/mo
▼ 0.25% · 3.875%
HK$292,099
−HK$7,740/mo
Today · 4.125%
HK$299,839
baseline
▲ 0.50% · 4.625%
HK$315,644
+HK$15,805/mo
Deposit HK$24.03M · loan HK$56.07M · min. income ≈ HK$599,678/mo (50% DSR)
Upfront cash ≈ HK$27.43M (deposit + AVD stamp duty HK$3,404,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,764
−HK$20,617/mo
▼ 0.25% · 3.875%
HK$338,991
−HK$10,390/mo
Today · 4.125%
HK$349,381
baseline
▲ 0.50% · 4.625%
HK$370,640
+HK$21,259/mo
Deposit HK$8.01M · loan HK$72.09M · min. income ≈ HK$698,762/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$3,404,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$365,747
−HK$19,760/mo
▼ 0.25% · 3.875%
HK$375,556
−HK$9,951/mo
Today · 4.125%
HK$385,507
baseline
▲ 0.50% · 4.625%
HK$405,828
+HK$20,321/mo
Deposit HK$8.01M · loan HK$72.09M · min. income ≈ HK$771,014/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$3,404,218 · Scale 2, in force from 26 Feb 2026)