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$189,805
−HK$11,903/mo
▼ 0.25% · 3.875%
HK$195,709
−HK$5,999/mo
Today · 4.125%
HK$201,708
baseline
▲ 0.50% · 4.625%
HK$213,981
+HK$12,273/mo
Deposit HK$41.62M · loan HK$41.62M · min. income ≈ HK$403,416/mo (50% DSR)
Upfront cash ≈ HK$45.16M (deposit + AVD stamp duty HK$3,537,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,156
−HK$11,408/mo
▼ 0.25% · 3.875%
HK$216,819
−HK$5,745/mo
Today · 4.125%
HK$222,564
baseline
▲ 0.50% · 4.625%
HK$234,296
+HK$11,732/mo
Deposit HK$41.62M · loan HK$41.62M · min. income ≈ HK$445,128/mo (50% DSR)
Upfront cash ≈ HK$45.16M (deposit + AVD stamp duty HK$3,537,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,766
−HK$14,283/mo
▼ 0.25% · 3.875%
HK$234,851
−HK$7,198/mo
Today · 4.125%
HK$242,049
baseline
▲ 0.50% · 4.625%
HK$256,777
+HK$14,728/mo
Deposit HK$33.30M · loan HK$49.94M · min. income ≈ HK$484,098/mo (50% DSR)
Upfront cash ≈ HK$36.83M (deposit + AVD stamp duty HK$3,537,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,387
−HK$13,690/mo
▼ 0.25% · 3.875%
HK$260,183
−HK$6,894/mo
Today · 4.125%
HK$267,077
baseline
▲ 0.50% · 4.625%
HK$281,155
+HK$14,078/mo
Deposit HK$33.30M · loan HK$49.94M · min. income ≈ HK$534,154/mo (50% DSR)
Upfront cash ≈ HK$36.83M (deposit + AVD stamp duty HK$3,537,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,727
−HK$16,664/mo
▼ 0.25% · 3.875%
HK$273,993
−HK$8,398/mo
Today · 4.125%
HK$282,391
baseline
▲ 0.50% · 4.625%
HK$299,573
+HK$17,182/mo
Deposit HK$24.97M · loan HK$58.27M · min. income ≈ HK$564,782/mo (50% DSR)
Upfront cash ≈ HK$28.51M (deposit + AVD stamp duty HK$3,537,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,619
−HK$15,971/mo
▼ 0.25% · 3.875%
HK$303,547
−HK$8,043/mo
Today · 4.125%
HK$311,590
baseline
▲ 0.50% · 4.625%
HK$328,014
+HK$16,424/mo
Deposit HK$24.97M · loan HK$58.27M · min. income ≈ HK$623,180/mo (50% DSR)
Upfront cash ≈ HK$28.51M (deposit + AVD stamp duty HK$3,537,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$341,649
−HK$21,425/mo
▼ 0.25% · 3.875%
HK$352,276
−HK$10,798/mo
Today · 4.125%
HK$363,074
baseline
▲ 0.50% · 4.625%
HK$385,166
+HK$22,092/mo
Deposit HK$8.32M · loan HK$74.91M · min. income ≈ HK$726,148/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$3,537,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$380,081
−HK$20,535/mo
▼ 0.25% · 3.875%
HK$390,275
−HK$10,341/mo
Today · 4.125%
HK$400,616
baseline
▲ 0.50% · 4.625%
HK$421,733
+HK$21,117/mo
Deposit HK$8.32M · loan HK$74.91M · min. income ≈ HK$801,232/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$3,537,636 · Scale 2, in force from 26 Feb 2026)