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$193,540
−HK$12,137/mo
▼ 0.25% · 3.875%
HK$199,560
−HK$6,117/mo
Today · 4.125%
HK$205,677
baseline
▲ 0.50% · 4.625%
HK$218,192
+HK$12,515/mo
Deposit HK$42.44M · loan HK$42.44M · min. income ≈ HK$411,354/mo (50% DSR)
Upfront cash ≈ HK$46.05M (deposit + AVD stamp duty HK$3,607,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,311
−HK$11,633/mo
▼ 0.25% · 3.875%
HK$221,086
−HK$5,858/mo
Today · 4.125%
HK$226,944
baseline
▲ 0.50% · 4.625%
HK$238,907
+HK$11,963/mo
Deposit HK$42.44M · loan HK$42.44M · min. income ≈ HK$453,888/mo (50% DSR)
Upfront cash ≈ HK$46.05M (deposit + AVD stamp duty HK$3,607,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,248
−HK$14,564/mo
▼ 0.25% · 3.875%
HK$239,472
−HK$7,340/mo
Today · 4.125%
HK$246,812
baseline
▲ 0.50% · 4.625%
HK$261,830
+HK$15,018/mo
Deposit HK$33.95M · loan HK$50.93M · min. income ≈ HK$493,624/mo (50% DSR)
Upfront cash ≈ HK$37.56M (deposit + AVD stamp duty HK$3,607,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,374
−HK$13,959/mo
▼ 0.25% · 3.875%
HK$265,303
−HK$7,030/mo
Today · 4.125%
HK$272,333
baseline
▲ 0.50% · 4.625%
HK$286,688
+HK$14,355/mo
Deposit HK$33.95M · loan HK$50.93M · min. income ≈ HK$544,666/mo (50% DSR)
Upfront cash ≈ HK$37.56M (deposit + AVD stamp duty HK$3,607,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,956
−HK$16,992/mo
▼ 0.25% · 3.875%
HK$279,384
−HK$8,564/mo
Today · 4.125%
HK$287,948
baseline
▲ 0.50% · 4.625%
HK$305,468
+HK$17,520/mo
Deposit HK$25.46M · loan HK$59.41M · min. income ≈ HK$575,896/mo (50% DSR)
Upfront cash ≈ HK$29.07M (deposit + AVD stamp duty HK$3,607,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,436
−HK$16,286/mo
▼ 0.25% · 3.875%
HK$309,520
−HK$8,202/mo
Today · 4.125%
HK$317,722
baseline
▲ 0.50% · 4.625%
HK$334,469
+HK$16,747/mo
Deposit HK$25.46M · loan HK$59.41M · min. income ≈ HK$635,444/mo (50% DSR)
Upfront cash ≈ HK$29.07M (deposit + AVD stamp duty HK$3,607,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$348,372
−HK$21,846/mo
▼ 0.25% · 3.875%
HK$359,209
−HK$11,009/mo
Today · 4.125%
HK$370,218
baseline
▲ 0.50% · 4.625%
HK$392,745
+HK$22,527/mo
Deposit HK$8.49M · loan HK$76.39M · min. income ≈ HK$740,436/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$3,607,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$387,561
−HK$20,938/mo
▼ 0.25% · 3.875%
HK$397,955
−HK$10,544/mo
Today · 4.125%
HK$408,499
baseline
▲ 0.50% · 4.625%
HK$430,032
+HK$21,533/mo
Deposit HK$8.49M · loan HK$76.39M · min. income ≈ HK$816,998/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$3,607,251 · Scale 2, in force from 26 Feb 2026)