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$196,395
−HK$12,315/mo
▼ 0.25% · 3.875%
HK$202,504
−HK$6,206/mo
Today · 4.125%
HK$208,710
baseline
▲ 0.50% · 4.625%
HK$221,410
+HK$12,700/mo
Deposit HK$43.06M · loan HK$43.06M · min. income ≈ HK$417,420/mo (50% DSR)
Upfront cash ≈ HK$46.72M (deposit + AVD stamp duty HK$3,660,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,487
−HK$11,804/mo
▼ 0.25% · 3.875%
HK$224,347
−HK$5,944/mo
Today · 4.125%
HK$230,291
baseline
▲ 0.50% · 4.625%
HK$242,430
+HK$12,139/mo
Deposit HK$43.06M · loan HK$43.06M · min. income ≈ HK$460,582/mo (50% DSR)
Upfront cash ≈ HK$46.72M (deposit + AVD stamp duty HK$3,660,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,674
−HK$14,779/mo
▼ 0.25% · 3.875%
HK$243,004
−HK$7,449/mo
Today · 4.125%
HK$250,453
baseline
▲ 0.50% · 4.625%
HK$265,692
+HK$15,239/mo
Deposit HK$34.45M · loan HK$51.68M · min. income ≈ HK$500,906/mo (50% DSR)
Upfront cash ≈ HK$38.11M (deposit + AVD stamp duty HK$3,660,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,185
−HK$14,165/mo
▼ 0.25% · 3.875%
HK$269,216
−HK$7,134/mo
Today · 4.125%
HK$276,350
baseline
▲ 0.50% · 4.625%
HK$290,916
+HK$14,566/mo
Deposit HK$34.45M · loan HK$51.68M · min. income ≈ HK$552,700/mo (50% DSR)
Upfront cash ≈ HK$38.11M (deposit + AVD stamp duty HK$3,660,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,953
−HK$17,242/mo
▼ 0.25% · 3.875%
HK$283,505
−HK$8,690/mo
Today · 4.125%
HK$292,195
baseline
▲ 0.50% · 4.625%
HK$309,974
+HK$17,779/mo
Deposit HK$25.84M · loan HK$60.29M · min. income ≈ HK$584,390/mo (50% DSR)
Upfront cash ≈ HK$29.50M (deposit + AVD stamp duty HK$3,660,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,882
−HK$16,526/mo
▼ 0.25% · 3.875%
HK$314,086
−HK$8,322/mo
Today · 4.125%
HK$322,408
baseline
▲ 0.50% · 4.625%
HK$339,402
+HK$16,994/mo
Deposit HK$25.84M · loan HK$60.29M · min. income ≈ HK$644,816/mo (50% DSR)
Upfront cash ≈ HK$29.50M (deposit + AVD stamp duty HK$3,660,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$353,511
−HK$22,168/mo
▼ 0.25% · 3.875%
HK$364,507
−HK$11,172/mo
Today · 4.125%
HK$375,679
baseline
▲ 0.50% · 4.625%
HK$398,538
+HK$22,859/mo
Deposit HK$8.61M · loan HK$77.52M · min. income ≈ HK$751,358/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$3,660,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$393,277
−HK$21,247/mo
▼ 0.25% · 3.875%
HK$403,824
−HK$10,700/mo
Today · 4.125%
HK$414,524
baseline
▲ 0.50% · 4.625%
HK$436,375
+HK$21,851/mo
Deposit HK$8.61M · loan HK$77.52M · min. income ≈ HK$829,048/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$3,660,456 · Scale 2, in force from 26 Feb 2026)