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$198,131
−HK$12,424/mo
▼ 0.25% · 3.875%
HK$204,294
−HK$6,261/mo
Today · 4.125%
HK$210,555
baseline
▲ 0.50% · 4.625%
HK$223,367
+HK$12,812/mo
Deposit HK$43.44M · loan HK$43.44M · min. income ≈ HK$421,110/mo (50% DSR)
Upfront cash ≈ HK$47.14M (deposit + AVD stamp duty HK$3,692,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,419
−HK$11,908/mo
▼ 0.25% · 3.875%
HK$226,330
−HK$5,997/mo
Today · 4.125%
HK$232,327
baseline
▲ 0.50% · 4.625%
HK$244,573
+HK$12,246/mo
Deposit HK$43.44M · loan HK$43.44M · min. income ≈ HK$464,654/mo (50% DSR)
Upfront cash ≈ HK$47.14M (deposit + AVD stamp duty HK$3,692,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,757
−HK$14,909/mo
▼ 0.25% · 3.875%
HK$245,153
−HK$7,513/mo
Today · 4.125%
HK$252,666
baseline
▲ 0.50% · 4.625%
HK$268,041
+HK$15,375/mo
Deposit HK$34.76M · loan HK$52.13M · min. income ≈ HK$505,332/mo (50% DSR)
Upfront cash ≈ HK$38.45M (deposit + AVD stamp duty HK$3,692,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,502
−HK$14,291/mo
▼ 0.25% · 3.875%
HK$271,596
−HK$7,197/mo
Today · 4.125%
HK$278,793
baseline
▲ 0.50% · 4.625%
HK$293,488
+HK$14,695/mo
Deposit HK$34.76M · loan HK$52.13M · min. income ≈ HK$557,586/mo (50% DSR)
Upfront cash ≈ HK$38.45M (deposit + AVD stamp duty HK$3,692,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,383
−HK$17,395/mo
▼ 0.25% · 3.875%
HK$286,011
−HK$8,767/mo
Today · 4.125%
HK$294,778
baseline
▲ 0.50% · 4.625%
HK$312,714
+HK$17,936/mo
Deposit HK$26.07M · loan HK$60.82M · min. income ≈ HK$589,556/mo (50% DSR)
Upfront cash ≈ HK$29.76M (deposit + AVD stamp duty HK$3,692,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,586
−HK$16,672/mo
▼ 0.25% · 3.875%
HK$316,862
−HK$8,396/mo
Today · 4.125%
HK$325,258
baseline
▲ 0.50% · 4.625%
HK$342,403
+HK$17,145/mo
Deposit HK$26.07M · loan HK$60.82M · min. income ≈ HK$650,516/mo (50% DSR)
Upfront cash ≈ HK$29.76M (deposit + AVD stamp duty HK$3,692,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$356,636
−HK$22,364/mo
▼ 0.25% · 3.875%
HK$367,729
−HK$11,271/mo
Today · 4.125%
HK$379,000
baseline
▲ 0.50% · 4.625%
HK$402,061
+HK$23,061/mo
Deposit HK$8.69M · loan HK$78.20M · min. income ≈ HK$758,000/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$3,692,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$396,753
−HK$21,436/mo
▼ 0.25% · 3.875%
HK$407,394
−HK$10,795/mo
Today · 4.125%
HK$418,189
baseline
▲ 0.50% · 4.625%
HK$440,232
+HK$22,043/mo
Deposit HK$8.69M · loan HK$78.20M · min. income ≈ HK$836,378/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$3,692,814 · Scale 2, in force from 26 Feb 2026)