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$193,819
−HK$12,154/mo
▼ 0.25% · 3.875%
HK$199,847
−HK$6,126/mo
Today · 4.125%
HK$205,973
baseline
▲ 0.50% · 4.625%
HK$218,506
+HK$12,533/mo
Deposit HK$42.50M · loan HK$42.50M · min. income ≈ HK$411,946/mo (50% DSR)
Upfront cash ≈ HK$46.11M (deposit + AVD stamp duty HK$3,612,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,621
−HK$11,650/mo
▼ 0.25% · 3.875%
HK$221,404
−HK$5,867/mo
Today · 4.125%
HK$227,271
baseline
▲ 0.50% · 4.625%
HK$239,250
+HK$11,979/mo
Deposit HK$42.50M · loan HK$42.50M · min. income ≈ HK$454,542/mo (50% DSR)
Upfront cash ≈ HK$46.11M (deposit + AVD stamp duty HK$3,612,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,582
−HK$14,585/mo
▼ 0.25% · 3.875%
HK$239,817
−HK$7,350/mo
Today · 4.125%
HK$247,167
baseline
▲ 0.50% · 4.625%
HK$262,207
+HK$15,040/mo
Deposit HK$34.00M · loan HK$51.00M · min. income ≈ HK$494,334/mo (50% DSR)
Upfront cash ≈ HK$37.61M (deposit + AVD stamp duty HK$3,612,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,745
−HK$13,980/mo
▼ 0.25% · 3.875%
HK$265,685
−HK$7,040/mo
Today · 4.125%
HK$272,725
baseline
▲ 0.50% · 4.625%
HK$287,100
+HK$14,375/mo
Deposit HK$34.00M · loan HK$51.00M · min. income ≈ HK$545,450/mo (50% DSR)
Upfront cash ≈ HK$37.61M (deposit + AVD stamp duty HK$3,612,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,346
−HK$17,016/mo
▼ 0.25% · 3.875%
HK$279,786
−HK$8,576/mo
Today · 4.125%
HK$288,362
baseline
▲ 0.50% · 4.625%
HK$305,908
+HK$17,546/mo
Deposit HK$25.50M · loan HK$59.50M · min. income ≈ HK$576,724/mo (50% DSR)
Upfront cash ≈ HK$29.11M (deposit + AVD stamp duty HK$3,612,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,870
−HK$16,309/mo
▼ 0.25% · 3.875%
HK$309,966
−HK$8,213/mo
Today · 4.125%
HK$318,179
baseline
▲ 0.50% · 4.625%
HK$334,950
+HK$16,771/mo
Deposit HK$25.50M · loan HK$59.50M · min. income ≈ HK$636,358/mo (50% DSR)
Upfront cash ≈ HK$29.11M (deposit + AVD stamp duty HK$3,612,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$348,873
−HK$21,878/mo
▼ 0.25% · 3.875%
HK$359,725
−HK$11,026/mo
Today · 4.125%
HK$370,751
baseline
▲ 0.50% · 4.625%
HK$393,310
+HK$22,559/mo
Deposit HK$8.50M · loan HK$76.50M · min. income ≈ HK$741,502/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$3,612,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$388,118
−HK$20,969/mo
▼ 0.25% · 3.875%
HK$398,527
−HK$10,560/mo
Today · 4.125%
HK$409,087
baseline
▲ 0.50% · 4.625%
HK$430,650
+HK$21,563/mo
Deposit HK$8.50M · loan HK$76.50M · min. income ≈ HK$818,174/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$3,612,440 · Scale 2, in force from 26 Feb 2026)