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$196,659
−HK$12,332/mo
▼ 0.25% · 3.875%
HK$202,776
−HK$6,215/mo
Today · 4.125%
HK$208,991
baseline
▲ 0.50% · 4.625%
HK$221,708
+HK$12,717/mo
Deposit HK$43.12M · loan HK$43.12M · min. income ≈ HK$417,982/mo (50% DSR)
Upfront cash ≈ HK$46.79M (deposit + AVD stamp duty HK$3,665,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,781
−HK$11,820/mo
▼ 0.25% · 3.875%
HK$224,649
−HK$5,952/mo
Today · 4.125%
HK$230,601
baseline
▲ 0.50% · 4.625%
HK$242,757
+HK$12,156/mo
Deposit HK$43.12M · loan HK$43.12M · min. income ≈ HK$461,202/mo (50% DSR)
Upfront cash ≈ HK$46.79M (deposit + AVD stamp duty HK$3,665,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,991
−HK$14,799/mo
▼ 0.25% · 3.875%
HK$243,332
−HK$7,458/mo
Today · 4.125%
HK$250,790
baseline
▲ 0.50% · 4.625%
HK$266,050
+HK$15,260/mo
Deposit HK$34.50M · loan HK$51.75M · min. income ≈ HK$501,580/mo (50% DSR)
Upfront cash ≈ HK$38.16M (deposit + AVD stamp duty HK$3,665,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,538
−HK$14,184/mo
▼ 0.25% · 3.875%
HK$269,579
−HK$7,143/mo
Today · 4.125%
HK$276,722
baseline
▲ 0.50% · 4.625%
HK$291,308
+HK$14,586/mo
Deposit HK$34.50M · loan HK$51.75M · min. income ≈ HK$553,444/mo (50% DSR)
Upfront cash ≈ HK$38.16M (deposit + AVD stamp duty HK$3,665,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,323
−HK$17,265/mo
▼ 0.25% · 3.875%
HK$283,887
−HK$8,701/mo
Today · 4.125%
HK$292,588
baseline
▲ 0.50% · 4.625%
HK$310,391
+HK$17,803/mo
Deposit HK$25.87M · loan HK$60.37M · min. income ≈ HK$585,176/mo (50% DSR)
Upfront cash ≈ HK$29.54M (deposit + AVD stamp duty HK$3,665,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,294
−HK$16,548/mo
▼ 0.25% · 3.875%
HK$314,509
−HK$8,333/mo
Today · 4.125%
HK$322,842
baseline
▲ 0.50% · 4.625%
HK$339,859
+HK$17,017/mo
Deposit HK$25.87M · loan HK$60.37M · min. income ≈ HK$645,684/mo (50% DSR)
Upfront cash ≈ HK$29.54M (deposit + AVD stamp duty HK$3,665,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$353,987
−HK$22,198/mo
▼ 0.25% · 3.875%
HK$364,998
−HK$11,187/mo
Today · 4.125%
HK$376,185
baseline
▲ 0.50% · 4.625%
HK$399,075
+HK$22,890/mo
Deposit HK$8.62M · loan HK$77.62M · min. income ≈ HK$752,370/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$3,665,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$393,806
−HK$21,277/mo
▼ 0.25% · 3.875%
HK$404,368
−HK$10,715/mo
Today · 4.125%
HK$415,083
baseline
▲ 0.50% · 4.625%
HK$436,962
+HK$21,879/mo
Deposit HK$8.62M · loan HK$77.62M · min. income ≈ HK$830,166/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$3,665,385 · Scale 2, in force from 26 Feb 2026)