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$198,728
−HK$12,462/mo
▼ 0.25% · 3.875%
HK$204,909
−HK$6,281/mo
Today · 4.125%
HK$211,190
baseline
▲ 0.50% · 4.625%
HK$224,040
+HK$12,850/mo
Deposit HK$43.58M · loan HK$43.58M · min. income ≈ HK$422,380/mo (50% DSR)
Upfront cash ≈ HK$47.28M (deposit + AVD stamp duty HK$3,703,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,083
−HK$11,944/mo
▼ 0.25% · 3.875%
HK$227,012
−HK$6,015/mo
Today · 4.125%
HK$233,027
baseline
▲ 0.50% · 4.625%
HK$245,310
+HK$12,283/mo
Deposit HK$43.58M · loan HK$43.58M · min. income ≈ HK$466,054/mo (50% DSR)
Upfront cash ≈ HK$47.28M (deposit + AVD stamp duty HK$3,703,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,473
−HK$14,955/mo
▼ 0.25% · 3.875%
HK$245,891
−HK$7,537/mo
Today · 4.125%
HK$253,428
baseline
▲ 0.50% · 4.625%
HK$268,848
+HK$15,420/mo
Deposit HK$34.86M · loan HK$52.29M · min. income ≈ HK$506,856/mo (50% DSR)
Upfront cash ≈ HK$38.56M (deposit + AVD stamp duty HK$3,703,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,299
−HK$14,333/mo
▼ 0.25% · 3.875%
HK$272,414
−HK$7,218/mo
Today · 4.125%
HK$279,632
baseline
▲ 0.50% · 4.625%
HK$294,372
+HK$14,740/mo
Deposit HK$34.86M · loan HK$52.29M · min. income ≈ HK$559,264/mo (50% DSR)
Upfront cash ≈ HK$38.56M (deposit + AVD stamp duty HK$3,703,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,219
−HK$17,447/mo
▼ 0.25% · 3.875%
HK$286,873
−HK$8,793/mo
Today · 4.125%
HK$295,666
baseline
▲ 0.50% · 4.625%
HK$313,656
+HK$17,990/mo
Deposit HK$26.15M · loan HK$61.01M · min. income ≈ HK$591,332/mo (50% DSR)
Upfront cash ≈ HK$29.85M (deposit + AVD stamp duty HK$3,703,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,516
−HK$16,722/mo
▼ 0.25% · 3.875%
HK$317,817
−HK$8,421/mo
Today · 4.125%
HK$326,238
baseline
▲ 0.50% · 4.625%
HK$343,434
+HK$17,196/mo
Deposit HK$26.15M · loan HK$61.01M · min. income ≈ HK$652,476/mo (50% DSR)
Upfront cash ≈ HK$29.85M (deposit + AVD stamp duty HK$3,703,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$357,710
−HK$22,432/mo
▼ 0.25% · 3.875%
HK$368,837
−HK$11,305/mo
Today · 4.125%
HK$380,142
baseline
▲ 0.50% · 4.625%
HK$403,272
+HK$23,130/mo
Deposit HK$8.72M · loan HK$78.44M · min. income ≈ HK$760,284/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$3,703,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$397,949
−HK$21,500/mo
▼ 0.25% · 3.875%
HK$408,621
−HK$10,828/mo
Today · 4.125%
HK$419,449
baseline
▲ 0.50% · 4.625%
HK$441,558
+HK$22,109/mo
Deposit HK$8.72M · loan HK$78.44M · min. income ≈ HK$838,898/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$3,703,939 · Scale 2, in force from 26 Feb 2026)