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$187,870
−HK$11,782/mo
▼ 0.25% · 3.875%
HK$193,714
−HK$5,938/mo
Today · 4.125%
HK$199,652
baseline
▲ 0.50% · 4.625%
HK$211,800
+HK$12,148/mo
Deposit HK$41.20M · loan HK$41.20M · min. income ≈ HK$399,304/mo (50% DSR)
Upfront cash ≈ HK$44.70M (deposit + AVD stamp duty HK$3,501,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,004
−HK$11,292/mo
▼ 0.25% · 3.875%
HK$214,609
−HK$5,687/mo
Today · 4.125%
HK$220,296
baseline
▲ 0.50% · 4.625%
HK$231,908
+HK$11,612/mo
Deposit HK$41.20M · loan HK$41.20M · min. income ≈ HK$440,592/mo (50% DSR)
Upfront cash ≈ HK$44.70M (deposit + AVD stamp duty HK$3,501,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,444
−HK$14,138/mo
▼ 0.25% · 3.875%
HK$232,457
−HK$7,125/mo
Today · 4.125%
HK$239,582
baseline
▲ 0.50% · 4.625%
HK$254,160
+HK$14,578/mo
Deposit HK$32.96M · loan HK$49.43M · min. income ≈ HK$479,164/mo (50% DSR)
Upfront cash ≈ HK$36.46M (deposit + AVD stamp duty HK$3,501,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,805
−HK$13,550/mo
▼ 0.25% · 3.875%
HK$257,531
−HK$6,824/mo
Today · 4.125%
HK$264,355
baseline
▲ 0.50% · 4.625%
HK$278,289
+HK$13,934/mo
Deposit HK$32.96M · loan HK$49.43M · min. income ≈ HK$528,710/mo (50% DSR)
Upfront cash ≈ HK$36.46M (deposit + AVD stamp duty HK$3,501,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,019
−HK$16,493/mo
▼ 0.25% · 3.875%
HK$271,200
−HK$8,312/mo
Today · 4.125%
HK$279,512
baseline
▲ 0.50% · 4.625%
HK$296,520
+HK$17,008/mo
Deposit HK$24.72M · loan HK$57.67M · min. income ≈ HK$559,024/mo (50% DSR)
Upfront cash ≈ HK$28.22M (deposit + AVD stamp duty HK$3,501,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,605
−HK$15,809/mo
▼ 0.25% · 3.875%
HK$300,453
−HK$7,961/mo
Today · 4.125%
HK$308,414
baseline
▲ 0.50% · 4.625%
HK$324,671
+HK$16,257/mo
Deposit HK$24.72M · loan HK$57.67M · min. income ≈ HK$616,828/mo (50% DSR)
Upfront cash ≈ HK$28.22M (deposit + AVD stamp duty HK$3,501,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$338,167
−HK$21,206/mo
▼ 0.25% · 3.875%
HK$348,686
−HK$10,687/mo
Today · 4.125%
HK$359,373
baseline
▲ 0.50% · 4.625%
HK$381,240
+HK$21,867/mo
Deposit HK$8.24M · loan HK$74.15M · min. income ≈ HK$718,746/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$3,501,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$376,207
−HK$20,325/mo
▼ 0.25% · 3.875%
HK$386,297
−HK$10,235/mo
Today · 4.125%
HK$396,532
baseline
▲ 0.50% · 4.625%
HK$417,434
+HK$20,902/mo
Deposit HK$8.24M · loan HK$74.15M · min. income ≈ HK$793,064/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$3,501,576 · Scale 2, in force from 26 Feb 2026)