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$206,237
−HK$12,933/mo
▼ 0.25% · 3.875%
HK$212,652
−HK$6,518/mo
Today · 4.125%
HK$219,170
baseline
▲ 0.50% · 4.625%
HK$232,506
+HK$13,336/mo
Deposit HK$45.22M · loan HK$45.22M · min. income ≈ HK$438,340/mo (50% DSR)
Upfront cash ≈ HK$49.07M (deposit + AVD stamp duty HK$3,843,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,437
−HK$12,395/mo
▼ 0.25% · 3.875%
HK$235,590
−HK$6,242/mo
Today · 4.125%
HK$241,832
baseline
▲ 0.50% · 4.625%
HK$254,580
+HK$12,748/mo
Deposit HK$45.22M · loan HK$45.22M · min. income ≈ HK$483,664/mo (50% DSR)
Upfront cash ≈ HK$49.07M (deposit + AVD stamp duty HK$3,843,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,485
−HK$15,519/mo
▼ 0.25% · 3.875%
HK$255,183
−HK$7,821/mo
Today · 4.125%
HK$263,004
baseline
▲ 0.50% · 4.625%
HK$279,007
+HK$16,003/mo
Deposit HK$36.18M · loan HK$54.27M · min. income ≈ HK$526,008/mo (50% DSR)
Upfront cash ≈ HK$40.02M (deposit + AVD stamp duty HK$3,843,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,324
−HK$14,875/mo
▼ 0.25% · 3.875%
HK$282,708
−HK$7,491/mo
Today · 4.125%
HK$290,199
baseline
▲ 0.50% · 4.625%
HK$305,496
+HK$15,297/mo
Deposit HK$36.18M · loan HK$54.27M · min. income ≈ HK$580,398/mo (50% DSR)
Upfront cash ≈ HK$40.02M (deposit + AVD stamp duty HK$3,843,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$288,732
−HK$18,106/mo
▼ 0.25% · 3.875%
HK$297,713
−HK$9,125/mo
Today · 4.125%
HK$306,838
baseline
▲ 0.50% · 4.625%
HK$325,508
+HK$18,670/mo
Deposit HK$27.13M · loan HK$63.31M · min. income ≈ HK$613,676/mo (50% DSR)
Upfront cash ≈ HK$30.98M (deposit + AVD stamp duty HK$3,843,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$321,211
−HK$17,354/mo
▼ 0.25% · 3.875%
HK$329,826
−HK$8,739/mo
Today · 4.125%
HK$338,565
baseline
▲ 0.50% · 4.625%
HK$356,412
+HK$17,847/mo
Deposit HK$27.13M · loan HK$63.31M · min. income ≈ HK$677,130/mo (50% DSR)
Upfront cash ≈ HK$30.98M (deposit + AVD stamp duty HK$3,843,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$371,227
−HK$23,279/mo
▼ 0.25% · 3.875%
HK$382,774
−HK$11,732/mo
Today · 4.125%
HK$394,506
baseline
▲ 0.50% · 4.625%
HK$418,511
+HK$24,005/mo
Deposit HK$9.04M · loan HK$81.40M · min. income ≈ HK$789,012/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$3,843,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$412,986
−HK$22,312/mo
▼ 0.25% · 3.875%
HK$424,062
−HK$11,236/mo
Today · 4.125%
HK$435,298
baseline
▲ 0.50% · 4.625%
HK$458,244
+HK$22,946/mo
Deposit HK$9.04M · loan HK$81.40M · min. income ≈ HK$870,596/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$3,843,900 · Scale 2, in force from 26 Feb 2026)