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$190,980
−HK$11,976/mo
▼ 0.25% · 3.875%
HK$196,921
−HK$6,035/mo
Today · 4.125%
HK$202,956
baseline
▲ 0.50% · 4.625%
HK$215,306
+HK$12,350/mo
Deposit HK$41.88M · loan HK$41.88M · min. income ≈ HK$405,912/mo (50% DSR)
Upfront cash ≈ HK$45.44M (deposit + AVD stamp duty HK$3,559,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,463
−HK$11,479/mo
▼ 0.25% · 3.875%
HK$218,162
−HK$5,780/mo
Today · 4.125%
HK$223,942
baseline
▲ 0.50% · 4.625%
HK$235,746
+HK$11,804/mo
Deposit HK$41.88M · loan HK$41.88M · min. income ≈ HK$447,884/mo (50% DSR)
Upfront cash ≈ HK$45.44M (deposit + AVD stamp duty HK$3,559,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,176
−HK$14,371/mo
▼ 0.25% · 3.875%
HK$236,305
−HK$7,242/mo
Today · 4.125%
HK$243,547
baseline
▲ 0.50% · 4.625%
HK$258,367
+HK$14,820/mo
Deposit HK$33.50M · loan HK$50.25M · min. income ≈ HK$487,094/mo (50% DSR)
Upfront cash ≈ HK$37.06M (deposit + AVD stamp duty HK$3,559,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,956
−HK$13,775/mo
▼ 0.25% · 3.875%
HK$261,794
−HK$6,937/mo
Today · 4.125%
HK$268,731
baseline
▲ 0.50% · 4.625%
HK$282,896
+HK$14,165/mo
Deposit HK$33.50M · loan HK$50.25M · min. income ≈ HK$537,462/mo (50% DSR)
Upfront cash ≈ HK$37.06M (deposit + AVD stamp duty HK$3,559,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,372
−HK$16,767/mo
▼ 0.25% · 3.875%
HK$275,689
−HK$8,450/mo
Today · 4.125%
HK$284,139
baseline
▲ 0.50% · 4.625%
HK$301,428
+HK$17,289/mo
Deposit HK$25.13M · loan HK$58.63M · min. income ≈ HK$568,278/mo (50% DSR)
Upfront cash ≈ HK$28.69M (deposit + AVD stamp duty HK$3,559,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,449
−HK$16,070/mo
▼ 0.25% · 3.875%
HK$305,426
−HK$8,093/mo
Today · 4.125%
HK$313,519
baseline
▲ 0.50% · 4.625%
HK$330,045
+HK$16,526/mo
Deposit HK$25.13M · loan HK$58.63M · min. income ≈ HK$627,038/mo (50% DSR)
Upfront cash ≈ HK$28.69M (deposit + AVD stamp duty HK$3,559,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$343,764
−HK$21,557/mo
▼ 0.25% · 3.875%
HK$354,457
−HK$10,864/mo
Today · 4.125%
HK$365,321
baseline
▲ 0.50% · 4.625%
HK$387,550
+HK$22,229/mo
Deposit HK$8.38M · loan HK$75.38M · min. income ≈ HK$730,642/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$3,559,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$382,434
−HK$20,662/mo
▼ 0.25% · 3.875%
HK$392,691
−HK$10,405/mo
Today · 4.125%
HK$403,096
baseline
▲ 0.50% · 4.625%
HK$424,344
+HK$21,248/mo
Deposit HK$8.38M · loan HK$75.38M · min. income ≈ HK$806,192/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$3,559,536 · Scale 2, in force from 26 Feb 2026)