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$199,970
−HK$12,540/mo
▼ 0.25% · 3.875%
HK$206,191
−HK$6,319/mo
Today · 4.125%
HK$212,510
baseline
▲ 0.50% · 4.625%
HK$225,441
+HK$12,931/mo
Deposit HK$43.85M · loan HK$43.85M · min. income ≈ HK$425,020/mo (50% DSR)
Upfront cash ≈ HK$47.58M (deposit + AVD stamp duty HK$3,727,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,465
−HK$12,019/mo
▼ 0.25% · 3.875%
HK$228,431
−HK$6,053/mo
Today · 4.125%
HK$234,484
baseline
▲ 0.50% · 4.625%
HK$246,844
+HK$12,360/mo
Deposit HK$43.85M · loan HK$43.85M · min. income ≈ HK$468,968/mo (50% DSR)
Upfront cash ≈ HK$47.58M (deposit + AVD stamp duty HK$3,727,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,964
−HK$15,048/mo
▼ 0.25% · 3.875%
HK$247,429
−HK$7,583/mo
Today · 4.125%
HK$255,012
baseline
▲ 0.50% · 4.625%
HK$270,529
+HK$15,517/mo
Deposit HK$35.08M · loan HK$52.62M · min. income ≈ HK$510,024/mo (50% DSR)
Upfront cash ≈ HK$38.81M (deposit + AVD stamp duty HK$3,727,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,958
−HK$14,423/mo
▼ 0.25% · 3.875%
HK$274,118
−HK$7,263/mo
Today · 4.125%
HK$281,381
baseline
▲ 0.50% · 4.625%
HK$296,213
+HK$14,832/mo
Deposit HK$35.08M · loan HK$52.62M · min. income ≈ HK$562,762/mo (50% DSR)
Upfront cash ≈ HK$38.81M (deposit + AVD stamp duty HK$3,727,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,959
−HK$17,555/mo
▼ 0.25% · 3.875%
HK$288,667
−HK$8,847/mo
Today · 4.125%
HK$297,514
baseline
▲ 0.50% · 4.625%
HK$315,617
+HK$18,103/mo
Deposit HK$26.31M · loan HK$61.39M · min. income ≈ HK$595,028/mo (50% DSR)
Upfront cash ≈ HK$30.04M (deposit + AVD stamp duty HK$3,727,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,451
−HK$16,827/mo
▼ 0.25% · 3.875%
HK$319,804
−HK$8,474/mo
Today · 4.125%
HK$328,278
baseline
▲ 0.50% · 4.625%
HK$345,582
+HK$17,304/mo
Deposit HK$26.31M · loan HK$61.39M · min. income ≈ HK$656,556/mo (50% DSR)
Upfront cash ≈ HK$30.04M (deposit + AVD stamp duty HK$3,727,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$359,947
−HK$22,572/mo
▼ 0.25% · 3.875%
HK$371,143
−HK$11,376/mo
Today · 4.125%
HK$382,519
baseline
▲ 0.50% · 4.625%
HK$405,794
+HK$23,275/mo
Deposit HK$8.77M · loan HK$78.93M · min. income ≈ HK$765,038/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$3,727,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$400,437
−HK$21,634/mo
▼ 0.25% · 3.875%
HK$411,177
−HK$10,894/mo
Today · 4.125%
HK$422,071
baseline
▲ 0.50% · 4.625%
HK$444,319
+HK$22,248/mo
Deposit HK$8.77M · loan HK$78.93M · min. income ≈ HK$844,142/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$3,727,100 · Scale 2, in force from 26 Feb 2026)