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$194,520
−HK$12,198/mo
▼ 0.25% · 3.875%
HK$200,570
−HK$6,148/mo
Today · 4.125%
HK$206,718
baseline
▲ 0.50% · 4.625%
HK$219,296
+HK$12,578/mo
Deposit HK$42.65M · loan HK$42.65M · min. income ≈ HK$413,436/mo (50% DSR)
Upfront cash ≈ HK$46.28M (deposit + AVD stamp duty HK$3,625,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,401
−HK$11,692/mo
▼ 0.25% · 3.875%
HK$222,205
−HK$5,888/mo
Today · 4.125%
HK$228,093
baseline
▲ 0.50% · 4.625%
HK$240,116
+HK$12,023/mo
Deposit HK$42.65M · loan HK$42.65M · min. income ≈ HK$456,186/mo (50% DSR)
Upfront cash ≈ HK$46.28M (deposit + AVD stamp duty HK$3,625,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,424
−HK$14,637/mo
▼ 0.25% · 3.875%
HK$240,684
−HK$7,377/mo
Today · 4.125%
HK$248,061
baseline
▲ 0.50% · 4.625%
HK$263,155
+HK$15,094/mo
Deposit HK$34.12M · loan HK$51.18M · min. income ≈ HK$496,122/mo (50% DSR)
Upfront cash ≈ HK$37.75M (deposit + AVD stamp duty HK$3,625,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,681
−HK$14,030/mo
▼ 0.25% · 3.875%
HK$266,646
−HK$7,065/mo
Today · 4.125%
HK$273,711
baseline
▲ 0.50% · 4.625%
HK$288,139
+HK$14,428/mo
Deposit HK$34.12M · loan HK$51.18M · min. income ≈ HK$547,422/mo (50% DSR)
Upfront cash ≈ HK$37.75M (deposit + AVD stamp duty HK$3,625,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,328
−HK$17,077/mo
▼ 0.25% · 3.875%
HK$280,799
−HK$8,606/mo
Today · 4.125%
HK$289,405
baseline
▲ 0.50% · 4.625%
HK$307,015
+HK$17,610/mo
Deposit HK$25.59M · loan HK$59.71M · min. income ≈ HK$578,810/mo (50% DSR)
Upfront cash ≈ HK$29.22M (deposit + AVD stamp duty HK$3,625,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$302,962
−HK$16,368/mo
▼ 0.25% · 3.875%
HK$311,087
−HK$8,243/mo
Today · 4.125%
HK$319,330
baseline
▲ 0.50% · 4.625%
HK$336,162
+HK$16,832/mo
Deposit HK$25.59M · loan HK$59.71M · min. income ≈ HK$638,660/mo (50% DSR)
Upfront cash ≈ HK$29.22M (deposit + AVD stamp duty HK$3,625,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$350,135
−HK$21,957/mo
▼ 0.25% · 3.875%
HK$361,027
−HK$11,065/mo
Today · 4.125%
HK$372,092
baseline
▲ 0.50% · 4.625%
HK$394,733
+HK$22,641/mo
Deposit HK$8.53M · loan HK$76.78M · min. income ≈ HK$744,184/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$3,625,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$389,522
−HK$21,045/mo
▼ 0.25% · 3.875%
HK$399,969
−HK$10,598/mo
Today · 4.125%
HK$410,567
baseline
▲ 0.50% · 4.625%
HK$432,208
+HK$21,641/mo
Deposit HK$8.53M · loan HK$76.78M · min. income ≈ HK$821,134/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$3,625,508 · Scale 2, in force from 26 Feb 2026)