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$195,530
−HK$12,262/mo
▼ 0.25% · 3.875%
HK$201,612
−HK$6,180/mo
Today · 4.125%
HK$207,792
baseline
▲ 0.50% · 4.625%
HK$220,435
+HK$12,643/mo
Deposit HK$42.87M · loan HK$42.87M · min. income ≈ HK$415,584/mo (50% DSR)
Upfront cash ≈ HK$46.52M (deposit + AVD stamp duty HK$3,644,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,525
−HK$11,753/mo
▼ 0.25% · 3.875%
HK$223,359
−HK$5,919/mo
Today · 4.125%
HK$229,278
baseline
▲ 0.50% · 4.625%
HK$241,363
+HK$12,085/mo
Deposit HK$42.87M · loan HK$42.87M · min. income ≈ HK$458,556/mo (50% DSR)
Upfront cash ≈ HK$46.52M (deposit + AVD stamp duty HK$3,644,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,636
−HK$14,714/mo
▼ 0.25% · 3.875%
HK$241,935
−HK$7,415/mo
Today · 4.125%
HK$249,350
baseline
▲ 0.50% · 4.625%
HK$264,522
+HK$15,172/mo
Deposit HK$34.30M · loan HK$51.45M · min. income ≈ HK$498,700/mo (50% DSR)
Upfront cash ≈ HK$37.94M (deposit + AVD stamp duty HK$3,644,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,030
−HK$14,103/mo
▼ 0.25% · 3.875%
HK$268,031
−HK$7,102/mo
Today · 4.125%
HK$275,133
baseline
▲ 0.50% · 4.625%
HK$289,636
+HK$14,503/mo
Deposit HK$34.30M · loan HK$51.45M · min. income ≈ HK$550,266/mo (50% DSR)
Upfront cash ≈ HK$37.94M (deposit + AVD stamp duty HK$3,644,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,742
−HK$17,166/mo
▼ 0.25% · 3.875%
HK$282,257
−HK$8,651/mo
Today · 4.125%
HK$290,908
baseline
▲ 0.50% · 4.625%
HK$308,609
+HK$17,701/mo
Deposit HK$25.72M · loan HK$60.02M · min. income ≈ HK$581,816/mo (50% DSR)
Upfront cash ≈ HK$29.37M (deposit + AVD stamp duty HK$3,644,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,535
−HK$16,454/mo
▼ 0.25% · 3.875%
HK$312,703
−HK$8,286/mo
Today · 4.125%
HK$320,989
baseline
▲ 0.50% · 4.625%
HK$337,908
+HK$16,919/mo
Deposit HK$25.72M · loan HK$60.02M · min. income ≈ HK$641,978/mo (50% DSR)
Upfront cash ≈ HK$29.37M (deposit + AVD stamp duty HK$3,644,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$351,954
−HK$22,071/mo
▼ 0.25% · 3.875%
HK$362,902
−HK$11,123/mo
Today · 4.125%
HK$374,025
baseline
▲ 0.50% · 4.625%
HK$396,783
+HK$22,758/mo
Deposit HK$8.57M · loan HK$77.17M · min. income ≈ HK$748,050/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$3,644,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$391,546
−HK$21,154/mo
▼ 0.25% · 3.875%
HK$402,047
−HK$10,653/mo
Today · 4.125%
HK$412,700
baseline
▲ 0.50% · 4.625%
HK$434,454
+HK$21,754/mo
Deposit HK$8.57M · loan HK$77.17M · min. income ≈ HK$825,400/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$3,644,341 · Scale 2, in force from 26 Feb 2026)