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$214,151
−HK$13,430/mo
▼ 0.25% · 3.875%
HK$220,813
−HK$6,768/mo
Today · 4.125%
HK$227,581
baseline
▲ 0.50% · 4.625%
HK$241,428
+HK$13,847/mo
Deposit HK$46.96M · loan HK$46.96M · min. income ≈ HK$455,162/mo (50% DSR)
Upfront cash ≈ HK$50.95M (deposit + AVD stamp duty HK$3,991,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,241
−HK$12,872/mo
▼ 0.25% · 3.875%
HK$244,631
−HK$6,482/mo
Today · 4.125%
HK$251,113
baseline
▲ 0.50% · 4.625%
HK$264,349
+HK$13,236/mo
Deposit HK$46.96M · loan HK$46.96M · min. income ≈ HK$502,226/mo (50% DSR)
Upfront cash ≈ HK$50.95M (deposit + AVD stamp duty HK$3,991,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,982
−HK$16,115/mo
▼ 0.25% · 3.875%
HK$264,975
−HK$8,122/mo
Today · 4.125%
HK$273,097
baseline
▲ 0.50% · 4.625%
HK$289,714
+HK$16,617/mo
Deposit HK$37.57M · loan HK$56.35M · min. income ≈ HK$546,194/mo (50% DSR)
Upfront cash ≈ HK$41.56M (deposit + AVD stamp duty HK$3,991,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,890
−HK$15,445/mo
▼ 0.25% · 3.875%
HK$293,557
−HK$7,778/mo
Today · 4.125%
HK$301,335
baseline
▲ 0.50% · 4.625%
HK$317,219
+HK$15,884/mo
Deposit HK$37.57M · loan HK$56.35M · min. income ≈ HK$602,670/mo (50% DSR)
Upfront cash ≈ HK$41.56M (deposit + AVD stamp duty HK$3,991,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,812
−HK$18,801/mo
▼ 0.25% · 3.875%
HK$309,138
−HK$9,475/mo
Today · 4.125%
HK$318,613
baseline
▲ 0.50% · 4.625%
HK$338,000
+HK$19,387/mo
Deposit HK$28.17M · loan HK$65.74M · min. income ≈ HK$637,226/mo (50% DSR)
Upfront cash ≈ HK$32.17M (deposit + AVD stamp duty HK$3,991,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$333,538
−HK$18,020/mo
▼ 0.25% · 3.875%
HK$342,483
−HK$9,075/mo
Today · 4.125%
HK$351,558
baseline
▲ 0.50% · 4.625%
HK$370,089
+HK$18,531/mo
Deposit HK$28.17M · loan HK$65.74M · min. income ≈ HK$703,116/mo (50% DSR)
Upfront cash ≈ HK$32.17M (deposit + AVD stamp duty HK$3,991,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$385,473
−HK$24,172/mo
▼ 0.25% · 3.875%
HK$397,463
−HK$12,182/mo
Today · 4.125%
HK$409,645
baseline
▲ 0.50% · 4.625%
HK$434,571
+HK$24,926/mo
Deposit HK$9.39M · loan HK$84.52M · min. income ≈ HK$819,290/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$3,991,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$428,834
−HK$23,169/mo
▼ 0.25% · 3.875%
HK$440,336
−HK$11,667/mo
Today · 4.125%
HK$452,003
baseline
▲ 0.50% · 4.625%
HK$475,829
+HK$23,826/mo
Deposit HK$9.39M · loan HK$84.52M · min. income ≈ HK$904,006/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$3,991,410 · Scale 2, in force from 26 Feb 2026)