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$191,195
−HK$11,990/mo
▼ 0.25% · 3.875%
HK$197,142
−HK$6,043/mo
Today · 4.125%
HK$203,185
baseline
▲ 0.50% · 4.625%
HK$215,548
+HK$12,363/mo
Deposit HK$41.92M · loan HK$41.92M · min. income ≈ HK$406,370/mo (50% DSR)
Upfront cash ≈ HK$45.49M (deposit + AVD stamp duty HK$3,563,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,703
−HK$11,491/mo
▼ 0.25% · 3.875%
HK$218,407
−HK$5,787/mo
Today · 4.125%
HK$224,194
baseline
▲ 0.50% · 4.625%
HK$236,012
+HK$11,818/mo
Deposit HK$41.92M · loan HK$41.92M · min. income ≈ HK$448,388/mo (50% DSR)
Upfront cash ≈ HK$45.49M (deposit + AVD stamp duty HK$3,563,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,434
−HK$14,388/mo
▼ 0.25% · 3.875%
HK$236,571
−HK$7,251/mo
Today · 4.125%
HK$243,822
baseline
▲ 0.50% · 4.625%
HK$258,658
+HK$14,836/mo
Deposit HK$33.54M · loan HK$50.31M · min. income ≈ HK$487,644/mo (50% DSR)
Upfront cash ≈ HK$37.10M (deposit + AVD stamp duty HK$3,563,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,243
−HK$13,790/mo
▼ 0.25% · 3.875%
HK$262,089
−HK$6,944/mo
Today · 4.125%
HK$269,033
baseline
▲ 0.50% · 4.625%
HK$283,214
+HK$14,181/mo
Deposit HK$33.54M · loan HK$50.31M · min. income ≈ HK$538,066/mo (50% DSR)
Upfront cash ≈ HK$37.10M (deposit + AVD stamp duty HK$3,563,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,673
−HK$16,786/mo
▼ 0.25% · 3.875%
HK$275,999
−HK$8,460/mo
Today · 4.125%
HK$284,459
baseline
▲ 0.50% · 4.625%
HK$301,767
+HK$17,308/mo
Deposit HK$25.15M · loan HK$58.69M · min. income ≈ HK$568,918/mo (50% DSR)
Upfront cash ≈ HK$28.72M (deposit + AVD stamp duty HK$3,563,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,784
−HK$16,088/mo
▼ 0.25% · 3.875%
HK$305,770
−HK$8,102/mo
Today · 4.125%
HK$313,872
baseline
▲ 0.50% · 4.625%
HK$330,417
+HK$16,545/mo
Deposit HK$25.15M · loan HK$58.69M · min. income ≈ HK$627,744/mo (50% DSR)
Upfront cash ≈ HK$28.72M (deposit + AVD stamp duty HK$3,563,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$344,151
−HK$21,582/mo
▼ 0.25% · 3.875%
HK$354,856
−HK$10,877/mo
Today · 4.125%
HK$365,733
baseline
▲ 0.50% · 4.625%
HK$387,986
+HK$22,253/mo
Deposit HK$8.38M · loan HK$75.46M · min. income ≈ HK$731,466/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$3,563,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$382,865
−HK$20,685/mo
▼ 0.25% · 3.875%
HK$393,133
−HK$10,417/mo
Today · 4.125%
HK$403,550
baseline
▲ 0.50% · 4.625%
HK$424,821
+HK$21,271/mo
Deposit HK$8.38M · loan HK$75.46M · min. income ≈ HK$807,100/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$3,563,544 · Scale 2, in force from 26 Feb 2026)