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$194,562
−HK$12,201/mo
▼ 0.25% · 3.875%
HK$200,614
−HK$6,149/mo
Today · 4.125%
HK$206,763
baseline
▲ 0.50% · 4.625%
HK$219,344
+HK$12,581/mo
Deposit HK$42.66M · loan HK$42.66M · min. income ≈ HK$413,526/mo (50% DSR)
Upfront cash ≈ HK$46.29M (deposit + AVD stamp duty HK$3,626,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,449
−HK$11,694/mo
▼ 0.25% · 3.875%
HK$222,254
−HK$5,889/mo
Today · 4.125%
HK$228,143
baseline
▲ 0.50% · 4.625%
HK$240,168
+HK$12,025/mo
Deposit HK$42.66M · loan HK$42.66M · min. income ≈ HK$456,286/mo (50% DSR)
Upfront cash ≈ HK$46.29M (deposit + AVD stamp duty HK$3,626,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,475
−HK$14,641/mo
▼ 0.25% · 3.875%
HK$240,737
−HK$7,379/mo
Today · 4.125%
HK$248,116
baseline
▲ 0.50% · 4.625%
HK$263,213
+HK$15,097/mo
Deposit HK$34.13M · loan HK$51.19M · min. income ≈ HK$496,232/mo (50% DSR)
Upfront cash ≈ HK$37.76M (deposit + AVD stamp duty HK$3,626,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,738
−HK$14,033/mo
▼ 0.25% · 3.875%
HK$266,704
−HK$7,067/mo
Today · 4.125%
HK$273,771
baseline
▲ 0.50% · 4.625%
HK$288,202
+HK$14,431/mo
Deposit HK$34.13M · loan HK$51.19M · min. income ≈ HK$547,542/mo (50% DSR)
Upfront cash ≈ HK$37.76M (deposit + AVD stamp duty HK$3,626,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,387
−HK$17,081/mo
▼ 0.25% · 3.875%
HK$280,860
−HK$8,608/mo
Today · 4.125%
HK$289,468
baseline
▲ 0.50% · 4.625%
HK$307,082
+HK$17,614/mo
Deposit HK$25.60M · loan HK$59.73M · min. income ≈ HK$578,936/mo (50% DSR)
Upfront cash ≈ HK$29.22M (deposit + AVD stamp duty HK$3,626,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,028
−HK$16,372/mo
▼ 0.25% · 3.875%
HK$311,155
−HK$8,245/mo
Today · 4.125%
HK$319,400
baseline
▲ 0.50% · 4.625%
HK$336,236
+HK$16,836/mo
Deposit HK$25.60M · loan HK$59.73M · min. income ≈ HK$638,800/mo (50% DSR)
Upfront cash ≈ HK$29.22M (deposit + AVD stamp duty HK$3,626,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$350,212
−HK$21,962/mo
▼ 0.25% · 3.875%
HK$361,106
−HK$11,068/mo
Today · 4.125%
HK$372,174
baseline
▲ 0.50% · 4.625%
HK$394,820
+HK$22,646/mo
Deposit HK$8.53M · loan HK$76.79M · min. income ≈ HK$744,348/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$3,626,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$389,608
−HK$21,049/mo
▼ 0.25% · 3.875%
HK$400,057
−HK$10,600/mo
Today · 4.125%
HK$410,657
baseline
▲ 0.50% · 4.625%
HK$432,303
+HK$21,646/mo
Deposit HK$8.53M · loan HK$76.79M · min. income ≈ HK$821,314/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$3,626,303 · Scale 2, in force from 26 Feb 2026)