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$209,383
−HK$13,130/mo
▼ 0.25% · 3.875%
HK$215,896
−HK$6,617/mo
Today · 4.125%
HK$222,513
baseline
▲ 0.50% · 4.625%
HK$236,052
+HK$13,539/mo
Deposit HK$45.91M · loan HK$45.91M · min. income ≈ HK$445,026/mo (50% DSR)
Upfront cash ≈ HK$49.81M (deposit + AVD stamp duty HK$3,902,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,936
−HK$12,585/mo
▼ 0.25% · 3.875%
HK$239,184
−HK$6,337/mo
Today · 4.125%
HK$245,521
baseline
▲ 0.50% · 4.625%
HK$258,463
+HK$12,942/mo
Deposit HK$45.91M · loan HK$45.91M · min. income ≈ HK$491,042/mo (50% DSR)
Upfront cash ≈ HK$49.81M (deposit + AVD stamp duty HK$3,902,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,260
−HK$15,756/mo
▼ 0.25% · 3.875%
HK$259,075
−HK$7,941/mo
Today · 4.125%
HK$267,016
baseline
▲ 0.50% · 4.625%
HK$283,263
+HK$16,247/mo
Deposit HK$36.73M · loan HK$55.09M · min. income ≈ HK$534,032/mo (50% DSR)
Upfront cash ≈ HK$40.63M (deposit + AVD stamp duty HK$3,902,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,524
−HK$15,101/mo
▼ 0.25% · 3.875%
HK$287,020
−HK$7,605/mo
Today · 4.125%
HK$294,625
baseline
▲ 0.50% · 4.625%
HK$310,156
+HK$15,531/mo
Deposit HK$36.73M · loan HK$55.09M · min. income ≈ HK$589,250/mo (50% DSR)
Upfront cash ≈ HK$40.63M (deposit + AVD stamp duty HK$3,902,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,136
−HK$18,382/mo
▼ 0.25% · 3.875%
HK$302,254
−HK$9,264/mo
Today · 4.125%
HK$311,518
baseline
▲ 0.50% · 4.625%
HK$330,473
+HK$18,955/mo
Deposit HK$27.55M · loan HK$64.28M · min. income ≈ HK$623,036/mo (50% DSR)
Upfront cash ≈ HK$31.45M (deposit + AVD stamp duty HK$3,902,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$326,111
−HK$17,619/mo
▼ 0.25% · 3.875%
HK$334,857
−HK$8,873/mo
Today · 4.125%
HK$343,730
baseline
▲ 0.50% · 4.625%
HK$361,848
+HK$18,118/mo
Deposit HK$27.55M · loan HK$64.28M · min. income ≈ HK$687,460/mo (50% DSR)
Upfront cash ≈ HK$31.45M (deposit + AVD stamp duty HK$3,902,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$376,889
−HK$23,635/mo
▼ 0.25% · 3.875%
HK$388,613
−HK$11,911/mo
Today · 4.125%
HK$400,524
baseline
▲ 0.50% · 4.625%
HK$424,894
+HK$24,370/mo
Deposit HK$9.18M · loan HK$82.64M · min. income ≈ HK$801,048/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$3,902,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$419,286
−HK$22,652/mo
▼ 0.25% · 3.875%
HK$430,531
−HK$11,407/mo
Today · 4.125%
HK$441,938
baseline
▲ 0.50% · 4.625%
HK$465,233
+HK$23,295/mo
Deposit HK$9.18M · loan HK$82.64M · min. income ≈ HK$883,876/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$3,902,533 · Scale 2, in force from 26 Feb 2026)