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$186,254
−HK$11,680/mo
▼ 0.25% · 3.875%
HK$192,048
−HK$5,886/mo
Today · 4.125%
HK$197,934
baseline
▲ 0.50% · 4.625%
HK$209,978
+HK$12,044/mo
Deposit HK$40.84M · loan HK$40.84M · min. income ≈ HK$395,868/mo (50% DSR)
Upfront cash ≈ HK$44.31M (deposit + AVD stamp duty HK$3,471,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,206
−HK$11,195/mo
▼ 0.25% · 3.875%
HK$212,763
−HK$5,638/mo
Today · 4.125%
HK$218,401
baseline
▲ 0.50% · 4.625%
HK$229,913
+HK$11,512/mo
Deposit HK$40.84M · loan HK$40.84M · min. income ≈ HK$436,802/mo (50% DSR)
Upfront cash ≈ HK$44.31M (deposit + AVD stamp duty HK$3,471,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,505
−HK$14,016/mo
▼ 0.25% · 3.875%
HK$230,457
−HK$7,064/mo
Today · 4.125%
HK$237,521
baseline
▲ 0.50% · 4.625%
HK$251,973
+HK$14,452/mo
Deposit HK$32.67M · loan HK$49.01M · min. income ≈ HK$475,042/mo (50% DSR)
Upfront cash ≈ HK$36.14M (deposit + AVD stamp duty HK$3,471,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,647
−HK$13,434/mo
▼ 0.25% · 3.875%
HK$255,316
−HK$6,765/mo
Today · 4.125%
HK$262,081
baseline
▲ 0.50% · 4.625%
HK$275,895
+HK$13,814/mo
Deposit HK$32.67M · loan HK$49.01M · min. income ≈ HK$524,162/mo (50% DSR)
Upfront cash ≈ HK$36.14M (deposit + AVD stamp duty HK$3,471,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,756
−HK$16,352/mo
▼ 0.25% · 3.875%
HK$268,867
−HK$8,241/mo
Today · 4.125%
HK$277,108
baseline
▲ 0.50% · 4.625%
HK$293,969
+HK$16,861/mo
Deposit HK$24.50M · loan HK$57.18M · min. income ≈ HK$554,216/mo (50% DSR)
Upfront cash ≈ HK$27.98M (deposit + AVD stamp duty HK$3,471,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,088
−HK$15,673/mo
▼ 0.25% · 3.875%
HK$297,868
−HK$7,893/mo
Today · 4.125%
HK$305,761
baseline
▲ 0.50% · 4.625%
HK$321,878
+HK$16,117/mo
Deposit HK$24.50M · loan HK$57.18M · min. income ≈ HK$611,522/mo (50% DSR)
Upfront cash ≈ HK$27.98M (deposit + AVD stamp duty HK$3,471,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$335,258
−HK$21,023/mo
▼ 0.25% · 3.875%
HK$345,686
−HK$10,595/mo
Today · 4.125%
HK$356,281
baseline
▲ 0.50% · 4.625%
HK$377,960
+HK$21,679/mo
Deposit HK$8.17M · loan HK$73.51M · min. income ≈ HK$712,562/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$3,471,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$372,971
−HK$20,150/mo
▼ 0.25% · 3.875%
HK$382,973
−HK$10,148/mo
Today · 4.125%
HK$393,121
baseline
▲ 0.50% · 4.625%
HK$413,843
+HK$20,722/mo
Deposit HK$8.17M · loan HK$73.51M · min. income ≈ HK$786,242/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$3,471,453 · Scale 2, in force from 26 Feb 2026)