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$194,733
−HK$12,211/mo
▼ 0.25% · 3.875%
HK$200,790
−HK$6,154/mo
Today · 4.125%
HK$206,944
baseline
▲ 0.50% · 4.625%
HK$219,536
+HK$12,592/mo
Deposit HK$42.70M · loan HK$42.70M · min. income ≈ HK$413,888/mo (50% DSR)
Upfront cash ≈ HK$46.33M (deposit + AVD stamp duty HK$3,629,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,638
−HK$11,705/mo
▼ 0.25% · 3.875%
HK$222,449
−HK$5,894/mo
Today · 4.125%
HK$228,343
baseline
▲ 0.50% · 4.625%
HK$240,379
+HK$12,036/mo
Deposit HK$42.70M · loan HK$42.70M · min. income ≈ HK$456,686/mo (50% DSR)
Upfront cash ≈ HK$46.33M (deposit + AVD stamp duty HK$3,629,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,680
−HK$14,653/mo
▼ 0.25% · 3.875%
HK$240,948
−HK$7,385/mo
Today · 4.125%
HK$248,333
baseline
▲ 0.50% · 4.625%
HK$263,444
+HK$15,111/mo
Deposit HK$34.16M · loan HK$51.24M · min. income ≈ HK$496,666/mo (50% DSR)
Upfront cash ≈ HK$37.79M (deposit + AVD stamp duty HK$3,629,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,966
−HK$14,045/mo
▼ 0.25% · 3.875%
HK$266,938
−HK$7,073/mo
Today · 4.125%
HK$274,011
baseline
▲ 0.50% · 4.625%
HK$288,455
+HK$14,444/mo
Deposit HK$34.16M · loan HK$51.24M · min. income ≈ HK$548,022/mo (50% DSR)
Upfront cash ≈ HK$37.79M (deposit + AVD stamp duty HK$3,629,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,626
−HK$17,096/mo
▼ 0.25% · 3.875%
HK$281,106
−HK$8,616/mo
Today · 4.125%
HK$289,722
baseline
▲ 0.50% · 4.625%
HK$307,351
+HK$17,629/mo
Deposit HK$25.62M · loan HK$59.78M · min. income ≈ HK$579,444/mo (50% DSR)
Upfront cash ≈ HK$29.25M (deposit + AVD stamp duty HK$3,629,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,294
−HK$16,386/mo
▼ 0.25% · 3.875%
HK$311,428
−HK$8,252/mo
Today · 4.125%
HK$319,680
baseline
▲ 0.50% · 4.625%
HK$336,531
+HK$16,851/mo
Deposit HK$25.62M · loan HK$59.78M · min. income ≈ HK$639,360/mo (50% DSR)
Upfront cash ≈ HK$29.25M (deposit + AVD stamp duty HK$3,629,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$350,519
−HK$21,981/mo
▼ 0.25% · 3.875%
HK$361,422
−HK$11,078/mo
Today · 4.125%
HK$372,500
baseline
▲ 0.50% · 4.625%
HK$395,166
+HK$22,666/mo
Deposit HK$8.54M · loan HK$76.86M · min. income ≈ HK$745,000/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$3,629,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$389,949
−HK$21,068/mo
▼ 0.25% · 3.875%
HK$400,407
−HK$10,610/mo
Today · 4.125%
HK$411,017
baseline
▲ 0.50% · 4.625%
HK$432,682
+HK$21,665/mo
Deposit HK$8.54M · loan HK$76.86M · min. income ≈ HK$822,034/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$3,629,483 · Scale 2, in force from 26 Feb 2026)