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$206,381
−HK$12,942/mo
▼ 0.25% · 3.875%
HK$212,800
−HK$6,523/mo
Today · 4.125%
HK$219,323
baseline
▲ 0.50% · 4.625%
HK$232,668
+HK$13,345/mo
Deposit HK$45.25M · loan HK$45.25M · min. income ≈ HK$438,646/mo (50% DSR)
Upfront cash ≈ HK$49.10M (deposit + AVD stamp duty HK$3,846,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,597
−HK$12,404/mo
▼ 0.25% · 3.875%
HK$235,754
−HK$6,247/mo
Today · 4.125%
HK$242,001
baseline
▲ 0.50% · 4.625%
HK$254,757
+HK$12,756/mo
Deposit HK$45.25M · loan HK$45.25M · min. income ≈ HK$484,002/mo (50% DSR)
Upfront cash ≈ HK$49.10M (deposit + AVD stamp duty HK$3,846,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,657
−HK$15,530/mo
▼ 0.25% · 3.875%
HK$255,361
−HK$7,826/mo
Today · 4.125%
HK$263,187
baseline
▲ 0.50% · 4.625%
HK$279,202
+HK$16,015/mo
Deposit HK$36.20M · loan HK$54.30M · min. income ≈ HK$526,374/mo (50% DSR)
Upfront cash ≈ HK$40.05M (deposit + AVD stamp duty HK$3,846,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,516
−HK$14,885/mo
▼ 0.25% · 3.875%
HK$282,905
−HK$7,496/mo
Today · 4.125%
HK$290,401
baseline
▲ 0.50% · 4.625%
HK$305,709
+HK$15,308/mo
Deposit HK$36.20M · loan HK$54.30M · min. income ≈ HK$580,802/mo (50% DSR)
Upfront cash ≈ HK$40.05M (deposit + AVD stamp duty HK$3,846,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$288,933
−HK$18,119/mo
▼ 0.25% · 3.875%
HK$297,921
−HK$9,131/mo
Today · 4.125%
HK$307,052
baseline
▲ 0.50% · 4.625%
HK$325,735
+HK$18,683/mo
Deposit HK$27.15M · loan HK$63.36M · min. income ≈ HK$614,104/mo (50% DSR)
Upfront cash ≈ HK$31.00M (deposit + AVD stamp duty HK$3,846,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$321,435
−HK$17,366/mo
▼ 0.25% · 3.875%
HK$330,056
−HK$8,745/mo
Today · 4.125%
HK$338,801
baseline
▲ 0.50% · 4.625%
HK$356,660
+HK$17,859/mo
Deposit HK$27.15M · loan HK$63.36M · min. income ≈ HK$677,602/mo (50% DSR)
Upfront cash ≈ HK$31.00M (deposit + AVD stamp duty HK$3,846,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$371,485
−HK$23,296/mo
▼ 0.25% · 3.875%
HK$383,041
−HK$11,740/mo
Today · 4.125%
HK$394,781
baseline
▲ 0.50% · 4.625%
HK$418,802
+HK$24,021/mo
Deposit HK$9.05M · loan HK$81.46M · min. income ≈ HK$789,562/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$3,846,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$413,274
−HK$22,328/mo
▼ 0.25% · 3.875%
HK$424,358
−HK$11,244/mo
Today · 4.125%
HK$435,602
baseline
▲ 0.50% · 4.625%
HK$458,563
+HK$22,961/mo
Deposit HK$9.05M · loan HK$81.46M · min. income ≈ HK$871,204/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$3,846,579 · Scale 2, in force from 26 Feb 2026)