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$190,121
−HK$11,922/mo
▼ 0.25% · 3.875%
HK$196,035
−HK$6,008/mo
Today · 4.125%
HK$202,043
baseline
▲ 0.50% · 4.625%
HK$214,337
+HK$12,294/mo
Deposit HK$41.69M · loan HK$41.69M · min. income ≈ HK$404,086/mo (50% DSR)
Upfront cash ≈ HK$45.23M (deposit + AVD stamp duty HK$3,543,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,507
−HK$11,427/mo
▼ 0.25% · 3.875%
HK$217,180
−HK$5,754/mo
Today · 4.125%
HK$222,934
baseline
▲ 0.50% · 4.625%
HK$234,686
+HK$11,752/mo
Deposit HK$41.69M · loan HK$41.69M · min. income ≈ HK$445,868/mo (50% DSR)
Upfront cash ≈ HK$45.23M (deposit + AVD stamp duty HK$3,543,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,145
−HK$14,307/mo
▼ 0.25% · 3.875%
HK$235,241
−HK$7,211/mo
Today · 4.125%
HK$242,452
baseline
▲ 0.50% · 4.625%
HK$257,204
+HK$14,752/mo
Deposit HK$33.35M · loan HK$50.03M · min. income ≈ HK$484,904/mo (50% DSR)
Upfront cash ≈ HK$36.89M (deposit + AVD stamp duty HK$3,543,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,809
−HK$13,712/mo
▼ 0.25% · 3.875%
HK$260,616
−HK$6,905/mo
Today · 4.125%
HK$267,521
baseline
▲ 0.50% · 4.625%
HK$281,623
+HK$14,102/mo
Deposit HK$33.35M · loan HK$50.03M · min. income ≈ HK$535,042/mo (50% DSR)
Upfront cash ≈ HK$36.89M (deposit + AVD stamp duty HK$3,543,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,169
−HK$16,691/mo
▼ 0.25% · 3.875%
HK$274,448
−HK$8,412/mo
Today · 4.125%
HK$282,860
baseline
▲ 0.50% · 4.625%
HK$300,071
+HK$17,211/mo
Deposit HK$25.01M · loan HK$58.36M · min. income ≈ HK$565,720/mo (50% DSR)
Upfront cash ≈ HK$28.56M (deposit + AVD stamp duty HK$3,543,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,110
−HK$15,998/mo
▼ 0.25% · 3.875%
HK$304,052
−HK$8,056/mo
Today · 4.125%
HK$312,108
baseline
▲ 0.50% · 4.625%
HK$328,560
+HK$16,452/mo
Deposit HK$25.01M · loan HK$58.36M · min. income ≈ HK$624,216/mo (50% DSR)
Upfront cash ≈ HK$28.56M (deposit + AVD stamp duty HK$3,543,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$342,217
−HK$21,460/mo
▼ 0.25% · 3.875%
HK$352,862
−HK$10,815/mo
Today · 4.125%
HK$363,677
baseline
▲ 0.50% · 4.625%
HK$385,806
+HK$22,129/mo
Deposit HK$8.34M · loan HK$75.04M · min. income ≈ HK$727,354/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$3,543,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$380,713
−HK$20,569/mo
▼ 0.25% · 3.875%
HK$390,924
−HK$10,358/mo
Today · 4.125%
HK$401,282
baseline
▲ 0.50% · 4.625%
HK$422,434
+HK$21,152/mo
Deposit HK$8.34M · loan HK$75.04M · min. income ≈ HK$802,564/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$3,543,518 · Scale 2, in force from 26 Feb 2026)