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$194,637
−HK$12,205/mo
▼ 0.25% · 3.875%
HK$200,691
−HK$6,151/mo
Today · 4.125%
HK$206,842
baseline
▲ 0.50% · 4.625%
HK$219,428
+HK$12,586/mo
Deposit HK$42.68M · loan HK$42.68M · min. income ≈ HK$413,684/mo (50% DSR)
Upfront cash ≈ HK$46.31M (deposit + AVD stamp duty HK$3,627,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,531
−HK$11,699/mo
▼ 0.25% · 3.875%
HK$222,339
−HK$5,891/mo
Today · 4.125%
HK$228,230
baseline
▲ 0.50% · 4.625%
HK$240,260
+HK$12,030/mo
Deposit HK$42.68M · loan HK$42.68M · min. income ≈ HK$456,460/mo (50% DSR)
Upfront cash ≈ HK$46.31M (deposit + AVD stamp duty HK$3,627,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,564
−HK$14,647/mo
▼ 0.25% · 3.875%
HK$240,829
−HK$7,382/mo
Today · 4.125%
HK$248,211
baseline
▲ 0.50% · 4.625%
HK$263,314
+HK$15,103/mo
Deposit HK$34.14M · loan HK$51.21M · min. income ≈ HK$496,422/mo (50% DSR)
Upfront cash ≈ HK$37.77M (deposit + AVD stamp duty HK$3,627,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,838
−HK$14,038/mo
▼ 0.25% · 3.875%
HK$266,806
−HK$7,070/mo
Today · 4.125%
HK$273,876
baseline
▲ 0.50% · 4.625%
HK$288,312
+HK$14,436/mo
Deposit HK$34.14M · loan HK$51.21M · min. income ≈ HK$547,752/mo (50% DSR)
Upfront cash ≈ HK$37.77M (deposit + AVD stamp duty HK$3,627,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,491
−HK$17,088/mo
▼ 0.25% · 3.875%
HK$280,967
−HK$8,612/mo
Today · 4.125%
HK$289,579
baseline
▲ 0.50% · 4.625%
HK$307,199
+HK$17,620/mo
Deposit HK$25.61M · loan HK$59.75M · min. income ≈ HK$579,158/mo (50% DSR)
Upfront cash ≈ HK$29.23M (deposit + AVD stamp duty HK$3,627,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,144
−HK$16,378/mo
▼ 0.25% · 3.875%
HK$311,274
−HK$8,248/mo
Today · 4.125%
HK$319,522
baseline
▲ 0.50% · 4.625%
HK$336,364
+HK$16,842/mo
Deposit HK$25.61M · loan HK$59.75M · min. income ≈ HK$639,044/mo (50% DSR)
Upfront cash ≈ HK$29.23M (deposit + AVD stamp duty HK$3,627,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$350,346
−HK$21,970/mo
▼ 0.25% · 3.875%
HK$361,244
−HK$11,072/mo
Today · 4.125%
HK$372,316
baseline
▲ 0.50% · 4.625%
HK$394,970
+HK$22,654/mo
Deposit HK$8.54M · loan HK$76.82M · min. income ≈ HK$744,632/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$3,627,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$389,756
−HK$21,058/mo
▼ 0.25% · 3.875%
HK$400,209
−HK$10,605/mo
Today · 4.125%
HK$410,814
baseline
▲ 0.50% · 4.625%
HK$432,468
+HK$21,654/mo
Deposit HK$8.54M · loan HK$76.82M · min. income ≈ HK$821,628/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$3,627,688 · Scale 2, in force from 26 Feb 2026)