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$191,433
−HK$12,005/mo
▼ 0.25% · 3.875%
HK$197,388
−HK$6,050/mo
Today · 4.125%
HK$203,438
baseline
▲ 0.50% · 4.625%
HK$215,817
+HK$12,379/mo
Deposit HK$41.98M · loan HK$41.98M · min. income ≈ HK$406,876/mo (50% DSR)
Upfront cash ≈ HK$45.54M (deposit + AVD stamp duty HK$3,567,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,968
−HK$11,506/mo
▼ 0.25% · 3.875%
HK$218,679
−HK$5,795/mo
Today · 4.125%
HK$224,474
baseline
▲ 0.50% · 4.625%
HK$236,306
+HK$11,832/mo
Deposit HK$41.98M · loan HK$41.98M · min. income ≈ HK$448,948/mo (50% DSR)
Upfront cash ≈ HK$45.54M (deposit + AVD stamp duty HK$3,567,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,720
−HK$14,406/mo
▼ 0.25% · 3.875%
HK$236,866
−HK$7,260/mo
Today · 4.125%
HK$244,126
baseline
▲ 0.50% · 4.625%
HK$258,980
+HK$14,854/mo
Deposit HK$33.58M · loan HK$50.37M · min. income ≈ HK$488,252/mo (50% DSR)
Upfront cash ≈ HK$37.15M (deposit + AVD stamp duty HK$3,567,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,561
−HK$13,808/mo
▼ 0.25% · 3.875%
HK$262,415
−HK$6,954/mo
Today · 4.125%
HK$269,369
baseline
▲ 0.50% · 4.625%
HK$283,567
+HK$14,198/mo
Deposit HK$33.58M · loan HK$50.37M · min. income ≈ HK$538,738/mo (50% DSR)
Upfront cash ≈ HK$37.15M (deposit + AVD stamp duty HK$3,567,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,007
−HK$16,806/mo
▼ 0.25% · 3.875%
HK$276,343
−HK$8,470/mo
Today · 4.125%
HK$284,813
baseline
▲ 0.50% · 4.625%
HK$302,143
+HK$17,330/mo
Deposit HK$25.19M · loan HK$58.77M · min. income ≈ HK$569,626/mo (50% DSR)
Upfront cash ≈ HK$28.75M (deposit + AVD stamp duty HK$3,567,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$298,155
−HK$16,108/mo
▼ 0.25% · 3.875%
HK$306,151
−HK$8,112/mo
Today · 4.125%
HK$314,263
baseline
▲ 0.50% · 4.625%
HK$330,829
+HK$16,566/mo
Deposit HK$25.19M · loan HK$58.77M · min. income ≈ HK$628,526/mo (50% DSR)
Upfront cash ≈ HK$28.75M (deposit + AVD stamp duty HK$3,567,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$344,580
−HK$21,608/mo
▼ 0.25% · 3.875%
HK$355,299
−HK$10,889/mo
Today · 4.125%
HK$366,188
baseline
▲ 0.50% · 4.625%
HK$388,470
+HK$22,282/mo
Deposit HK$8.40M · loan HK$75.56M · min. income ≈ HK$732,376/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$3,567,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$383,342
−HK$20,711/mo
▼ 0.25% · 3.875%
HK$393,623
−HK$10,430/mo
Today · 4.125%
HK$404,053
baseline
▲ 0.50% · 4.625%
HK$425,351
+HK$21,298/mo
Deposit HK$8.40M · loan HK$75.56M · min. income ≈ HK$808,106/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$3,567,986 · Scale 2, in force from 26 Feb 2026)