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$194,287
−HK$12,184/mo
▼ 0.25% · 3.875%
HK$200,331
−HK$6,140/mo
Today · 4.125%
HK$206,471
baseline
▲ 0.50% · 4.625%
HK$219,034
+HK$12,563/mo
Deposit HK$42.60M · loan HK$42.60M · min. income ≈ HK$412,942/mo (50% DSR)
Upfront cash ≈ HK$46.22M (deposit + AVD stamp duty HK$3,621,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,143
−HK$11,677/mo
▼ 0.25% · 3.875%
HK$221,939
−HK$5,881/mo
Today · 4.125%
HK$227,820
baseline
▲ 0.50% · 4.625%
HK$239,829
+HK$12,009/mo
Deposit HK$42.60M · loan HK$42.60M · min. income ≈ HK$455,640/mo (50% DSR)
Upfront cash ≈ HK$46.22M (deposit + AVD stamp duty HK$3,621,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,145
−HK$14,620/mo
▼ 0.25% · 3.875%
HK$240,397
−HK$7,368/mo
Today · 4.125%
HK$247,765
baseline
▲ 0.50% · 4.625%
HK$262,841
+HK$15,076/mo
Deposit HK$34.08M · loan HK$51.12M · min. income ≈ HK$495,530/mo (50% DSR)
Upfront cash ≈ HK$37.70M (deposit + AVD stamp duty HK$3,621,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,371
−HK$14,013/mo
▼ 0.25% · 3.875%
HK$266,327
−HK$7,057/mo
Today · 4.125%
HK$273,384
baseline
▲ 0.50% · 4.625%
HK$287,795
+HK$14,411/mo
Deposit HK$34.08M · loan HK$51.12M · min. income ≈ HK$546,768/mo (50% DSR)
Upfront cash ≈ HK$37.70M (deposit + AVD stamp duty HK$3,621,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,002
−HK$17,057/mo
▼ 0.25% · 3.875%
HK$280,463
−HK$8,596/mo
Today · 4.125%
HK$289,059
baseline
▲ 0.50% · 4.625%
HK$306,648
+HK$17,589/mo
Deposit HK$25.56M · loan HK$59.64M · min. income ≈ HK$578,118/mo (50% DSR)
Upfront cash ≈ HK$29.18M (deposit + AVD stamp duty HK$3,621,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$302,600
−HK$16,348/mo
▼ 0.25% · 3.875%
HK$310,715
−HK$8,233/mo
Today · 4.125%
HK$318,948
baseline
▲ 0.50% · 4.625%
HK$335,760
+HK$16,812/mo
Deposit HK$25.56M · loan HK$59.64M · min. income ≈ HK$637,896/mo (50% DSR)
Upfront cash ≈ HK$29.18M (deposit + AVD stamp duty HK$3,621,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$349,717
−HK$21,930/mo
▼ 0.25% · 3.875%
HK$360,595
−HK$11,052/mo
Today · 4.125%
HK$371,647
baseline
▲ 0.50% · 4.625%
HK$394,261
+HK$22,614/mo
Deposit HK$8.52M · loan HK$76.68M · min. income ≈ HK$743,294/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$3,621,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$389,057
−HK$21,019/mo
▼ 0.25% · 3.875%
HK$399,491
−HK$10,585/mo
Today · 4.125%
HK$410,076
baseline
▲ 0.50% · 4.625%
HK$431,692
+HK$21,616/mo
Deposit HK$8.52M · loan HK$76.68M · min. income ≈ HK$820,152/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$3,621,176 · Scale 2, in force from 26 Feb 2026)