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$203,509
−HK$12,762/mo
▼ 0.25% · 3.875%
HK$209,839
−HK$6,432/mo
Today · 4.125%
HK$216,271
baseline
▲ 0.50% · 4.625%
HK$229,430
+HK$13,159/mo
Deposit HK$44.62M · loan HK$44.62M · min. income ≈ HK$432,542/mo (50% DSR)
Upfront cash ≈ HK$48.42M (deposit + AVD stamp duty HK$3,793,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,402
−HK$12,232/mo
▼ 0.25% · 3.875%
HK$232,474
−HK$6,160/mo
Today · 4.125%
HK$238,634
baseline
▲ 0.50% · 4.625%
HK$251,212
+HK$12,578/mo
Deposit HK$44.62M · loan HK$44.62M · min. income ≈ HK$477,268/mo (50% DSR)
Upfront cash ≈ HK$48.42M (deposit + AVD stamp duty HK$3,793,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,211
−HK$15,314/mo
▼ 0.25% · 3.875%
HK$251,807
−HK$7,718/mo
Today · 4.125%
HK$259,525
baseline
▲ 0.50% · 4.625%
HK$275,316
+HK$15,791/mo
Deposit HK$35.70M · loan HK$53.55M · min. income ≈ HK$519,050/mo (50% DSR)
Upfront cash ≈ HK$39.49M (deposit + AVD stamp duty HK$3,793,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,682
−HK$14,678/mo
▼ 0.25% · 3.875%
HK$278,968
−HK$7,392/mo
Today · 4.125%
HK$286,360
baseline
▲ 0.50% · 4.625%
HK$301,455
+HK$15,095/mo
Deposit HK$35.70M · loan HK$53.55M · min. income ≈ HK$572,720/mo (50% DSR)
Upfront cash ≈ HK$39.49M (deposit + AVD stamp duty HK$3,793,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,913
−HK$17,866/mo
▼ 0.25% · 3.875%
HK$293,775
−HK$9,004/mo
Today · 4.125%
HK$302,779
baseline
▲ 0.50% · 4.625%
HK$321,203
+HK$18,424/mo
Deposit HK$26.77M · loan HK$62.47M · min. income ≈ HK$605,558/mo (50% DSR)
Upfront cash ≈ HK$30.57M (deposit + AVD stamp duty HK$3,793,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,962
−HK$17,125/mo
▼ 0.25% · 3.875%
HK$325,463
−HK$8,624/mo
Today · 4.125%
HK$334,087
baseline
▲ 0.50% · 4.625%
HK$351,697
+HK$17,610/mo
Deposit HK$26.77M · loan HK$62.47M · min. income ≈ HK$668,174/mo (50% DSR)
Upfront cash ≈ HK$30.57M (deposit + AVD stamp duty HK$3,793,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$366,316
−HK$22,971/mo
▼ 0.25% · 3.875%
HK$377,711
−HK$11,576/mo
Today · 4.125%
HK$389,287
baseline
▲ 0.50% · 4.625%
HK$412,975
+HK$23,688/mo
Deposit HK$8.92M · loan HK$80.32M · min. income ≈ HK$778,574/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$3,793,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$407,523
−HK$22,017/mo
▼ 0.25% · 3.875%
HK$418,453
−HK$11,087/mo
Today · 4.125%
HK$429,540
baseline
▲ 0.50% · 4.625%
HK$452,182
+HK$22,642/mo
Deposit HK$8.92M · loan HK$80.32M · min. income ≈ HK$859,080/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$3,793,053 · Scale 2, in force from 26 Feb 2026)