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$197,771
−HK$12,402/mo
▼ 0.25% · 3.875%
HK$203,923
−HK$6,250/mo
Today · 4.125%
HK$210,173
baseline
▲ 0.50% · 4.625%
HK$222,961
+HK$12,788/mo
Deposit HK$43.37M · loan HK$43.37M · min. income ≈ HK$420,346/mo (50% DSR)
Upfront cash ≈ HK$47.05M (deposit + AVD stamp duty HK$3,686,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,018
−HK$11,887/mo
▼ 0.25% · 3.875%
HK$225,919
−HK$5,986/mo
Today · 4.125%
HK$231,905
baseline
▲ 0.50% · 4.625%
HK$244,129
+HK$12,224/mo
Deposit HK$43.37M · loan HK$43.37M · min. income ≈ HK$463,810/mo (50% DSR)
Upfront cash ≈ HK$47.05M (deposit + AVD stamp duty HK$3,686,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,325
−HK$14,883/mo
▼ 0.25% · 3.875%
HK$244,707
−HK$7,501/mo
Today · 4.125%
HK$252,208
baseline
▲ 0.50% · 4.625%
HK$267,554
+HK$15,346/mo
Deposit HK$34.69M · loan HK$52.04M · min. income ≈ HK$504,416/mo (50% DSR)
Upfront cash ≈ HK$38.38M (deposit + AVD stamp duty HK$3,686,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,022
−HK$14,264/mo
▼ 0.25% · 3.875%
HK$271,103
−HK$7,183/mo
Today · 4.125%
HK$278,286
baseline
▲ 0.50% · 4.625%
HK$292,955
+HK$14,669/mo
Deposit HK$34.69M · loan HK$52.04M · min. income ≈ HK$556,572/mo (50% DSR)
Upfront cash ≈ HK$38.38M (deposit + AVD stamp duty HK$3,686,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,879
−HK$17,363/mo
▼ 0.25% · 3.875%
HK$285,492
−HK$8,750/mo
Today · 4.125%
HK$294,242
baseline
▲ 0.50% · 4.625%
HK$312,146
+HK$17,904/mo
Deposit HK$26.02M · loan HK$60.71M · min. income ≈ HK$588,484/mo (50% DSR)
Upfront cash ≈ HK$29.71M (deposit + AVD stamp duty HK$3,686,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,025
−HK$16,642/mo
▼ 0.25% · 3.875%
HK$316,287
−HK$8,380/mo
Today · 4.125%
HK$324,667
baseline
▲ 0.50% · 4.625%
HK$341,781
+HK$17,114/mo
Deposit HK$26.02M · loan HK$60.71M · min. income ≈ HK$649,334/mo (50% DSR)
Upfront cash ≈ HK$29.71M (deposit + AVD stamp duty HK$3,686,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$355,988
−HK$22,323/mo
▼ 0.25% · 3.875%
HK$367,061
−HK$11,250/mo
Today · 4.125%
HK$378,311
baseline
▲ 0.50% · 4.625%
HK$401,331
+HK$23,020/mo
Deposit HK$8.67M · loan HK$78.06M · min. income ≈ HK$756,622/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$3,686,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$396,033
−HK$21,396/mo
▼ 0.25% · 3.875%
HK$406,654
−HK$10,775/mo
Today · 4.125%
HK$417,429
baseline
▲ 0.50% · 4.625%
HK$439,432
+HK$22,003/mo
Deposit HK$8.67M · loan HK$78.06M · min. income ≈ HK$834,858/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$3,686,106 · Scale 2, in force from 26 Feb 2026)