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$199,252
−HK$12,494/mo
▼ 0.25% · 3.875%
HK$205,449
−HK$6,297/mo
Today · 4.125%
HK$211,746
baseline
▲ 0.50% · 4.625%
HK$224,631
+HK$12,885/mo
Deposit HK$43.69M · loan HK$43.69M · min. income ≈ HK$423,492/mo (50% DSR)
Upfront cash ≈ HK$47.40M (deposit + AVD stamp duty HK$3,713,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,665
−HK$11,976/mo
▼ 0.25% · 3.875%
HK$227,610
−HK$6,031/mo
Today · 4.125%
HK$233,641
baseline
▲ 0.50% · 4.625%
HK$245,957
+HK$12,316/mo
Deposit HK$43.69M · loan HK$43.69M · min. income ≈ HK$467,282/mo (50% DSR)
Upfront cash ≈ HK$47.40M (deposit + AVD stamp duty HK$3,713,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,102
−HK$14,994/mo
▼ 0.25% · 3.875%
HK$246,539
−HK$7,557/mo
Today · 4.125%
HK$254,096
baseline
▲ 0.50% · 4.625%
HK$269,557
+HK$15,461/mo
Deposit HK$34.95M · loan HK$52.43M · min. income ≈ HK$508,192/mo (50% DSR)
Upfront cash ≈ HK$38.67M (deposit + AVD stamp duty HK$3,713,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,999
−HK$14,371/mo
▼ 0.25% · 3.875%
HK$273,132
−HK$7,238/mo
Today · 4.125%
HK$280,370
baseline
▲ 0.50% · 4.625%
HK$295,148
+HK$14,778/mo
Deposit HK$34.95M · loan HK$52.43M · min. income ≈ HK$560,740/mo (50% DSR)
Upfront cash ≈ HK$38.67M (deposit + AVD stamp duty HK$3,713,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,952
−HK$17,493/mo
▼ 0.25% · 3.875%
HK$287,629
−HK$8,816/mo
Today · 4.125%
HK$296,445
baseline
▲ 0.50% · 4.625%
HK$314,483
+HK$18,038/mo
Deposit HK$26.21M · loan HK$61.17M · min. income ≈ HK$592,890/mo (50% DSR)
Upfront cash ≈ HK$29.93M (deposit + AVD stamp duty HK$3,713,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,332
−HK$16,766/mo
▼ 0.25% · 3.875%
HK$318,655
−HK$8,443/mo
Today · 4.125%
HK$327,098
baseline
▲ 0.50% · 4.625%
HK$344,340
+HK$17,242/mo
Deposit HK$26.21M · loan HK$61.17M · min. income ≈ HK$654,196/mo (50% DSR)
Upfront cash ≈ HK$29.93M (deposit + AVD stamp duty HK$3,713,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$358,653
−HK$22,491/mo
▼ 0.25% · 3.875%
HK$369,809
−HK$11,335/mo
Today · 4.125%
HK$381,144
baseline
▲ 0.50% · 4.625%
HK$404,335
+HK$23,191/mo
Deposit HK$8.74M · loan HK$78.64M · min. income ≈ HK$762,288/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$3,713,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$398,998
−HK$21,556/mo
▼ 0.25% · 3.875%
HK$409,699
−HK$10,855/mo
Today · 4.125%
HK$420,554
baseline
▲ 0.50% · 4.625%
HK$442,722
+HK$22,168/mo
Deposit HK$8.74M · loan HK$78.64M · min. income ≈ HK$841,108/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$3,713,703 · Scale 2, in force from 26 Feb 2026)