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$197,965
−HK$12,414/mo
▼ 0.25% · 3.875%
HK$204,123
−HK$6,256/mo
Today · 4.125%
HK$210,379
baseline
▲ 0.50% · 4.625%
HK$223,180
+HK$12,801/mo
Deposit HK$43.41M · loan HK$43.41M · min. income ≈ HK$420,758/mo (50% DSR)
Upfront cash ≈ HK$47.10M (deposit + AVD stamp duty HK$3,689,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,234
−HK$11,899/mo
▼ 0.25% · 3.875%
HK$226,141
−HK$5,992/mo
Today · 4.125%
HK$232,133
baseline
▲ 0.50% · 4.625%
HK$244,369
+HK$12,236/mo
Deposit HK$43.41M · loan HK$43.41M · min. income ≈ HK$464,266/mo (50% DSR)
Upfront cash ≈ HK$47.10M (deposit + AVD stamp duty HK$3,689,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,558
−HK$14,897/mo
▼ 0.25% · 3.875%
HK$244,948
−HK$7,507/mo
Today · 4.125%
HK$252,455
baseline
▲ 0.50% · 4.625%
HK$267,816
+HK$15,361/mo
Deposit HK$34.73M · loan HK$52.09M · min. income ≈ HK$504,910/mo (50% DSR)
Upfront cash ≈ HK$38.42M (deposit + AVD stamp duty HK$3,689,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,281
−HK$14,278/mo
▼ 0.25% · 3.875%
HK$271,369
−HK$7,190/mo
Today · 4.125%
HK$278,559
baseline
▲ 0.50% · 4.625%
HK$293,243
+HK$14,684/mo
Deposit HK$34.73M · loan HK$52.09M · min. income ≈ HK$557,118/mo (50% DSR)
Upfront cash ≈ HK$38.42M (deposit + AVD stamp duty HK$3,689,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,151
−HK$17,380/mo
▼ 0.25% · 3.875%
HK$285,772
−HK$8,759/mo
Today · 4.125%
HK$294,531
baseline
▲ 0.50% · 4.625%
HK$312,453
+HK$17,922/mo
Deposit HK$26.05M · loan HK$60.77M · min. income ≈ HK$589,062/mo (50% DSR)
Upfront cash ≈ HK$29.73M (deposit + AVD stamp duty HK$3,689,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,328
−HK$16,658/mo
▼ 0.25% · 3.875%
HK$316,597
−HK$8,389/mo
Today · 4.125%
HK$324,986
baseline
▲ 0.50% · 4.625%
HK$342,116
+HK$17,130/mo
Deposit HK$26.05M · loan HK$60.77M · min. income ≈ HK$649,972/mo (50% DSR)
Upfront cash ≈ HK$29.73M (deposit + AVD stamp duty HK$3,689,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$356,337
−HK$22,346/mo
▼ 0.25% · 3.875%
HK$367,421
−HK$11,262/mo
Today · 4.125%
HK$378,683
baseline
▲ 0.50% · 4.625%
HK$401,725
+HK$23,042/mo
Deposit HK$8.68M · loan HK$78.14M · min. income ≈ HK$757,366/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$3,689,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$396,422
−HK$21,417/mo
▼ 0.25% · 3.875%
HK$407,053
−HK$10,786/mo
Today · 4.125%
HK$417,839
baseline
▲ 0.50% · 4.625%
HK$439,864
+HK$22,025/mo
Deposit HK$8.68M · loan HK$78.14M · min. income ≈ HK$835,678/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$3,689,725 · Scale 2, in force from 26 Feb 2026)