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$179,486
−HK$11,255/mo
▼ 0.25% · 3.875%
HK$185,069
−HK$5,672/mo
Today · 4.125%
HK$190,741
baseline
▲ 0.50% · 4.625%
HK$202,348
+HK$11,607/mo
Deposit HK$39.36M · loan HK$39.36M · min. income ≈ HK$381,482/mo (50% DSR)
Upfront cash ≈ HK$42.70M (deposit + AVD stamp duty HK$3,345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,676
−HK$10,788/mo
▼ 0.25% · 3.875%
HK$205,032
−HK$5,432/mo
Today · 4.125%
HK$210,464
baseline
▲ 0.50% · 4.625%
HK$221,558
+HK$11,094/mo
Deposit HK$39.36M · loan HK$39.36M · min. income ≈ HK$420,928/mo (50% DSR)
Upfront cash ≈ HK$42.70M (deposit + AVD stamp duty HK$3,345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,383
−HK$13,507/mo
▼ 0.25% · 3.875%
HK$222,083
−HK$6,807/mo
Today · 4.125%
HK$228,890
baseline
▲ 0.50% · 4.625%
HK$242,817
+HK$13,927/mo
Deposit HK$31.49M · loan HK$47.23M · min. income ≈ HK$457,780/mo (50% DSR)
Upfront cash ≈ HK$34.83M (deposit + AVD stamp duty HK$3,345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,612
−HK$12,945/mo
▼ 0.25% · 3.875%
HK$246,038
−HK$6,519/mo
Today · 4.125%
HK$252,557
baseline
▲ 0.50% · 4.625%
HK$265,870
+HK$13,313/mo
Deposit HK$31.49M · loan HK$47.23M · min. income ≈ HK$505,114/mo (50% DSR)
Upfront cash ≈ HK$34.83M (deposit + AVD stamp duty HK$3,345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,280
−HK$15,758/mo
▼ 0.25% · 3.875%
HK$259,097
−HK$7,941/mo
Today · 4.125%
HK$267,038
baseline
▲ 0.50% · 4.625%
HK$283,287
+HK$16,249/mo
Deposit HK$23.61M · loan HK$55.10M · min. income ≈ HK$534,076/mo (50% DSR)
Upfront cash ≈ HK$26.96M (deposit + AVD stamp duty HK$3,345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,547
−HK$15,103/mo
▼ 0.25% · 3.875%
HK$287,044
−HK$7,606/mo
Today · 4.125%
HK$294,650
baseline
▲ 0.50% · 4.625%
HK$310,181
+HK$15,531/mo
Deposit HK$23.61M · loan HK$55.10M · min. income ≈ HK$589,300/mo (50% DSR)
Upfront cash ≈ HK$26.96M (deposit + AVD stamp duty HK$3,345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,075
−HK$20,259/mo
▼ 0.25% · 3.875%
HK$333,124
−HK$10,210/mo
Today · 4.125%
HK$343,334
baseline
▲ 0.50% · 4.625%
HK$364,226
+HK$20,892/mo
Deposit HK$7.87M · loan HK$70.84M · min. income ≈ HK$686,668/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$3,345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$359,418
−HK$19,418/mo
▼ 0.25% · 3.875%
HK$369,057
−HK$9,779/mo
Today · 4.125%
HK$378,836
baseline
▲ 0.50% · 4.625%
HK$398,805
+HK$19,969/mo
Deposit HK$7.87M · loan HK$70.84M · min. income ≈ HK$757,672/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$3,345,307 · Scale 2, in force from 26 Feb 2026)