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$195,181
−HK$12,240/mo
▼ 0.25% · 3.875%
HK$201,252
−HK$6,169/mo
Today · 4.125%
HK$207,421
baseline
▲ 0.50% · 4.625%
HK$220,042
+HK$12,621/mo
Deposit HK$42.80M · loan HK$42.80M · min. income ≈ HK$414,842/mo (50% DSR)
Upfront cash ≈ HK$46.44M (deposit + AVD stamp duty HK$3,637,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,137
−HK$11,731/mo
▼ 0.25% · 3.875%
HK$222,961
−HK$5,907/mo
Today · 4.125%
HK$228,868
baseline
▲ 0.50% · 4.625%
HK$240,932
+HK$12,064/mo
Deposit HK$42.80M · loan HK$42.80M · min. income ≈ HK$457,736/mo (50% DSR)
Upfront cash ≈ HK$46.44M (deposit + AVD stamp duty HK$3,637,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,218
−HK$14,687/mo
▼ 0.25% · 3.875%
HK$241,503
−HK$7,402/mo
Today · 4.125%
HK$248,905
baseline
▲ 0.50% · 4.625%
HK$264,050
+HK$15,145/mo
Deposit HK$34.24M · loan HK$51.36M · min. income ≈ HK$497,810/mo (50% DSR)
Upfront cash ≈ HK$37.88M (deposit + AVD stamp duty HK$3,637,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,565
−HK$14,077/mo
▼ 0.25% · 3.875%
HK$267,553
−HK$7,089/mo
Today · 4.125%
HK$274,642
baseline
▲ 0.50% · 4.625%
HK$289,119
+HK$14,477/mo
Deposit HK$34.24M · loan HK$51.36M · min. income ≈ HK$549,284/mo (50% DSR)
Upfront cash ≈ HK$37.88M (deposit + AVD stamp duty HK$3,637,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,254
−HK$17,135/mo
▼ 0.25% · 3.875%
HK$281,753
−HK$8,636/mo
Today · 4.125%
HK$290,389
baseline
▲ 0.50% · 4.625%
HK$308,059
+HK$17,670/mo
Deposit HK$25.68M · loan HK$59.92M · min. income ≈ HK$580,778/mo (50% DSR)
Upfront cash ≈ HK$29.32M (deposit + AVD stamp duty HK$3,637,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,992
−HK$16,424/mo
▼ 0.25% · 3.875%
HK$312,145
−HK$8,271/mo
Today · 4.125%
HK$320,416
baseline
▲ 0.50% · 4.625%
HK$337,305
+HK$16,889/mo
Deposit HK$25.68M · loan HK$59.92M · min. income ≈ HK$640,832/mo (50% DSR)
Upfront cash ≈ HK$29.32M (deposit + AVD stamp duty HK$3,637,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$351,326
−HK$22,032/mo
▼ 0.25% · 3.875%
HK$362,254
−HK$11,104/mo
Today · 4.125%
HK$373,358
baseline
▲ 0.50% · 4.625%
HK$396,075
+HK$22,717/mo
Deposit HK$8.56M · loan HK$77.04M · min. income ≈ HK$746,716/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$3,637,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$390,847
−HK$21,116/mo
▼ 0.25% · 3.875%
HK$401,329
−HK$10,634/mo
Today · 4.125%
HK$411,963
baseline
▲ 0.50% · 4.625%
HK$433,678
+HK$21,715/mo
Deposit HK$8.56M · loan HK$77.04M · min. income ≈ HK$823,926/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$3,637,838 · Scale 2, in force from 26 Feb 2026)