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$194,721
−HK$12,211/mo
▼ 0.25% · 3.875%
HK$200,778
−HK$6,154/mo
Today · 4.125%
HK$206,932
baseline
▲ 0.50% · 4.625%
HK$219,523
+HK$12,591/mo
Deposit HK$42.70M · loan HK$42.70M · min. income ≈ HK$413,864/mo (50% DSR)
Upfront cash ≈ HK$46.33M (deposit + AVD stamp duty HK$3,629,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,625
−HK$11,704/mo
▼ 0.25% · 3.875%
HK$222,435
−HK$5,894/mo
Today · 4.125%
HK$228,329
baseline
▲ 0.50% · 4.625%
HK$240,364
+HK$12,035/mo
Deposit HK$42.70M · loan HK$42.70M · min. income ≈ HK$456,658/mo (50% DSR)
Upfront cash ≈ HK$46.33M (deposit + AVD stamp duty HK$3,629,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,665
−HK$14,653/mo
▼ 0.25% · 3.875%
HK$240,934
−HK$7,384/mo
Today · 4.125%
HK$248,318
baseline
▲ 0.50% · 4.625%
HK$263,428
+HK$15,110/mo
Deposit HK$34.16M · loan HK$51.24M · min. income ≈ HK$496,636/mo (50% DSR)
Upfront cash ≈ HK$37.79M (deposit + AVD stamp duty HK$3,629,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,950
−HK$14,045/mo
▼ 0.25% · 3.875%
HK$266,922
−HK$7,073/mo
Today · 4.125%
HK$273,995
baseline
▲ 0.50% · 4.625%
HK$288,437
+HK$14,442/mo
Deposit HK$34.16M · loan HK$51.24M · min. income ≈ HK$547,990/mo (50% DSR)
Upfront cash ≈ HK$37.79M (deposit + AVD stamp duty HK$3,629,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,609
−HK$17,095/mo
▼ 0.25% · 3.875%
HK$281,089
−HK$8,615/mo
Today · 4.125%
HK$289,704
baseline
▲ 0.50% · 4.625%
HK$307,332
+HK$17,628/mo
Deposit HK$25.62M · loan HK$59.78M · min. income ≈ HK$579,408/mo (50% DSR)
Upfront cash ≈ HK$29.25M (deposit + AVD stamp duty HK$3,629,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,275
−HK$16,385/mo
▼ 0.25% · 3.875%
HK$311,409
−HK$8,251/mo
Today · 4.125%
HK$319,660
baseline
▲ 0.50% · 4.625%
HK$336,510
+HK$16,850/mo
Deposit HK$25.62M · loan HK$59.78M · min. income ≈ HK$639,320/mo (50% DSR)
Upfront cash ≈ HK$29.25M (deposit + AVD stamp duty HK$3,629,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$350,498
−HK$21,979/mo
▼ 0.25% · 3.875%
HK$361,400
−HK$11,077/mo
Today · 4.125%
HK$372,477
baseline
▲ 0.50% · 4.625%
HK$395,141
+HK$22,664/mo
Deposit HK$8.54M · loan HK$76.85M · min. income ≈ HK$744,954/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$3,629,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$389,925
−HK$21,067/mo
▼ 0.25% · 3.875%
HK$400,383
−HK$10,609/mo
Today · 4.125%
HK$410,992
baseline
▲ 0.50% · 4.625%
HK$432,656
+HK$21,664/mo
Deposit HK$8.54M · loan HK$76.85M · min. income ≈ HK$821,984/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$3,629,260 · Scale 2, in force from 26 Feb 2026)