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$182,637
−HK$11,452/mo
▼ 0.25% · 3.875%
HK$188,318
−HK$5,771/mo
Today · 4.125%
HK$194,089
baseline
▲ 0.50% · 4.625%
HK$205,899
+HK$11,810/mo
Deposit HK$40.05M · loan HK$40.05M · min. income ≈ HK$388,178/mo (50% DSR)
Upfront cash ≈ HK$43.45M (deposit + AVD stamp duty HK$3,404,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,181
−HK$10,978/mo
▼ 0.25% · 3.875%
HK$208,631
−HK$5,528/mo
Today · 4.125%
HK$214,159
baseline
▲ 0.50% · 4.625%
HK$225,447
+HK$11,288/mo
Deposit HK$40.05M · loan HK$40.05M · min. income ≈ HK$428,318/mo (50% DSR)
Upfront cash ≈ HK$43.45M (deposit + AVD stamp duty HK$3,404,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,164
−HK$13,743/mo
▼ 0.25% · 3.875%
HK$225,981
−HK$6,926/mo
Today · 4.125%
HK$232,907
baseline
▲ 0.50% · 4.625%
HK$247,079
+HK$14,172/mo
Deposit HK$32.04M · loan HK$48.06M · min. income ≈ HK$465,814/mo (50% DSR)
Upfront cash ≈ HK$35.44M (deposit + AVD stamp duty HK$3,404,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,818
−HK$13,172/mo
▼ 0.25% · 3.875%
HK$250,357
−HK$6,633/mo
Today · 4.125%
HK$256,990
baseline
▲ 0.50% · 4.625%
HK$270,537
+HK$13,547/mo
Deposit HK$32.04M · loan HK$48.06M · min. income ≈ HK$513,980/mo (50% DSR)
Upfront cash ≈ HK$35.44M (deposit + AVD stamp duty HK$3,404,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,691
−HK$16,034/mo
▼ 0.25% · 3.875%
HK$263,645
−HK$8,080/mo
Today · 4.125%
HK$271,725
baseline
▲ 0.50% · 4.625%
HK$288,259
+HK$16,534/mo
Deposit HK$24.03M · loan HK$56.07M · min. income ≈ HK$543,450/mo (50% DSR)
Upfront cash ≈ HK$27.43M (deposit + AVD stamp duty HK$3,404,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,454
−HK$15,368/mo
▼ 0.25% · 3.875%
HK$292,083
−HK$7,739/mo
Today · 4.125%
HK$299,822
baseline
▲ 0.50% · 4.625%
HK$315,626
+HK$15,804/mo
Deposit HK$24.03M · loan HK$56.07M · min. income ≈ HK$599,644/mo (50% DSR)
Upfront cash ≈ HK$27.43M (deposit + AVD stamp duty HK$3,404,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,746
−HK$20,615/mo
▼ 0.25% · 3.875%
HK$338,972
−HK$10,389/mo
Today · 4.125%
HK$349,361
baseline
▲ 0.50% · 4.625%
HK$370,619
+HK$21,258/mo
Deposit HK$8.01M · loan HK$72.09M · min. income ≈ HK$698,722/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$3,404,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$365,726
−HK$19,759/mo
▼ 0.25% · 3.875%
HK$375,535
−HK$9,950/mo
Today · 4.125%
HK$385,485
baseline
▲ 0.50% · 4.625%
HK$405,805
+HK$20,320/mo
Deposit HK$8.01M · loan HK$72.09M · min. income ≈ HK$770,970/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$3,404,027 · Scale 2, in force from 26 Feb 2026)