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$200,869
−HK$12,596/mo
▼ 0.25% · 3.875%
HK$207,117
−HK$6,348/mo
Today · 4.125%
HK$213,465
baseline
▲ 0.50% · 4.625%
HK$226,454
+HK$12,989/mo
Deposit HK$44.05M · loan HK$44.05M · min. income ≈ HK$426,930/mo (50% DSR)
Upfront cash ≈ HK$47.79M (deposit + AVD stamp duty HK$3,743,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,465
−HK$12,073/mo
▼ 0.25% · 3.875%
HK$229,458
−HK$6,080/mo
Today · 4.125%
HK$235,538
baseline
▲ 0.50% · 4.625%
HK$247,954
+HK$12,416/mo
Deposit HK$44.05M · loan HK$44.05M · min. income ≈ HK$471,076/mo (50% DSR)
Upfront cash ≈ HK$47.79M (deposit + AVD stamp duty HK$3,743,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,043
−HK$15,116/mo
▼ 0.25% · 3.875%
HK$248,541
−HK$7,618/mo
Today · 4.125%
HK$256,159
baseline
▲ 0.50% · 4.625%
HK$271,745
+HK$15,586/mo
Deposit HK$35.24M · loan HK$52.85M · min. income ≈ HK$512,318/mo (50% DSR)
Upfront cash ≈ HK$38.98M (deposit + AVD stamp duty HK$3,743,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,158
−HK$14,488/mo
▼ 0.25% · 3.875%
HK$275,350
−HK$7,296/mo
Today · 4.125%
HK$282,646
baseline
▲ 0.50% · 4.625%
HK$297,544
+HK$14,898/mo
Deposit HK$35.24M · loan HK$52.85M · min. income ≈ HK$565,292/mo (50% DSR)
Upfront cash ≈ HK$38.98M (deposit + AVD stamp duty HK$3,743,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,217
−HK$17,635/mo
▼ 0.25% · 3.875%
HK$289,964
−HK$8,888/mo
Today · 4.125%
HK$298,852
baseline
▲ 0.50% · 4.625%
HK$317,036
+HK$18,184/mo
Deposit HK$26.43M · loan HK$61.66M · min. income ≈ HK$597,704/mo (50% DSR)
Upfront cash ≈ HK$30.17M (deposit + AVD stamp duty HK$3,743,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,851
−HK$16,902/mo
▼ 0.25% · 3.875%
HK$321,241
−HK$8,512/mo
Today · 4.125%
HK$329,753
baseline
▲ 0.50% · 4.625%
HK$347,135
+HK$17,382/mo
Deposit HK$26.43M · loan HK$61.66M · min. income ≈ HK$659,506/mo (50% DSR)
Upfront cash ≈ HK$30.17M (deposit + AVD stamp duty HK$3,743,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$361,565
−HK$22,673/mo
▼ 0.25% · 3.875%
HK$372,811
−HK$11,427/mo
Today · 4.125%
HK$384,238
baseline
▲ 0.50% · 4.625%
HK$407,618
+HK$23,380/mo
Deposit HK$8.81M · loan HK$79.28M · min. income ≈ HK$768,476/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$3,743,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$402,237
−HK$21,732/mo
▼ 0.25% · 3.875%
HK$413,025
−HK$10,944/mo
Today · 4.125%
HK$423,969
baseline
▲ 0.50% · 4.625%
HK$446,316
+HK$22,347/mo
Deposit HK$8.81M · loan HK$79.28M · min. income ≈ HK$847,938/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$3,743,851 · Scale 2, in force from 26 Feb 2026)