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$196,252
−HK$12,306/mo
▼ 0.25% · 3.875%
HK$202,356
−HK$6,202/mo
Today · 4.125%
HK$208,558
baseline
▲ 0.50% · 4.625%
HK$221,249
+HK$12,691/mo
Deposit HK$43.03M · loan HK$43.03M · min. income ≈ HK$417,116/mo (50% DSR)
Upfront cash ≈ HK$46.69M (deposit + AVD stamp duty HK$3,657,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,328
−HK$11,795/mo
▼ 0.25% · 3.875%
HK$224,183
−HK$5,940/mo
Today · 4.125%
HK$230,123
baseline
▲ 0.50% · 4.625%
HK$242,254
+HK$12,131/mo
Deposit HK$43.03M · loan HK$43.03M · min. income ≈ HK$460,246/mo (50% DSR)
Upfront cash ≈ HK$46.69M (deposit + AVD stamp duty HK$3,657,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,502
−HK$14,768/mo
▼ 0.25% · 3.875%
HK$242,827
−HK$7,443/mo
Today · 4.125%
HK$250,270
baseline
▲ 0.50% · 4.625%
HK$265,498
+HK$15,228/mo
Deposit HK$34.43M · loan HK$51.64M · min. income ≈ HK$500,540/mo (50% DSR)
Upfront cash ≈ HK$38.08M (deposit + AVD stamp duty HK$3,657,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,993
−HK$14,155/mo
▼ 0.25% · 3.875%
HK$269,020
−HK$7,128/mo
Today · 4.125%
HK$276,148
baseline
▲ 0.50% · 4.625%
HK$290,704
+HK$14,556/mo
Deposit HK$34.43M · loan HK$51.64M · min. income ≈ HK$552,296/mo (50% DSR)
Upfront cash ≈ HK$38.08M (deposit + AVD stamp duty HK$3,657,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,752
−HK$17,230/mo
▼ 0.25% · 3.875%
HK$283,299
−HK$8,683/mo
Today · 4.125%
HK$291,982
baseline
▲ 0.50% · 4.625%
HK$309,748
+HK$17,766/mo
Deposit HK$25.82M · loan HK$60.25M · min. income ≈ HK$583,964/mo (50% DSR)
Upfront cash ≈ HK$29.48M (deposit + AVD stamp duty HK$3,657,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,659
−HK$16,514/mo
▼ 0.25% · 3.875%
HK$313,857
−HK$8,316/mo
Today · 4.125%
HK$322,173
baseline
▲ 0.50% · 4.625%
HK$339,155
+HK$16,982/mo
Deposit HK$25.82M · loan HK$60.25M · min. income ≈ HK$644,346/mo (50% DSR)
Upfront cash ≈ HK$29.48M (deposit + AVD stamp duty HK$3,657,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$353,253
−HK$22,152/mo
▼ 0.25% · 3.875%
HK$364,241
−HK$11,164/mo
Today · 4.125%
HK$375,405
baseline
▲ 0.50% · 4.625%
HK$398,247
+HK$22,842/mo
Deposit HK$8.61M · loan HK$77.46M · min. income ≈ HK$750,810/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$3,657,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$392,990
−HK$21,232/mo
▼ 0.25% · 3.875%
HK$403,530
−HK$10,692/mo
Today · 4.125%
HK$414,222
baseline
▲ 0.50% · 4.625%
HK$436,056
+HK$21,834/mo
Deposit HK$8.61M · loan HK$77.46M · min. income ≈ HK$828,444/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$3,657,787 · Scale 2, in force from 26 Feb 2026)