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$193,356
−HK$12,125/mo
▼ 0.25% · 3.875%
HK$199,370
−HK$6,111/mo
Today · 4.125%
HK$205,481
baseline
▲ 0.50% · 4.625%
HK$217,984
+HK$12,503/mo
Deposit HK$42.40M · loan HK$42.40M · min. income ≈ HK$410,962/mo (50% DSR)
Upfront cash ≈ HK$46.00M (deposit + AVD stamp duty HK$3,603,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,107
−HK$11,621/mo
▼ 0.25% · 3.875%
HK$220,876
−HK$5,852/mo
Today · 4.125%
HK$226,728
baseline
▲ 0.50% · 4.625%
HK$238,679
+HK$11,951/mo
Deposit HK$42.40M · loan HK$42.40M · min. income ≈ HK$453,456/mo (50% DSR)
Upfront cash ≈ HK$46.00M (deposit + AVD stamp duty HK$3,603,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,027
−HK$14,550/mo
▼ 0.25% · 3.875%
HK$239,245
−HK$7,332/mo
Today · 4.125%
HK$246,577
baseline
▲ 0.50% · 4.625%
HK$261,581
+HK$15,004/mo
Deposit HK$33.92M · loan HK$50.88M · min. income ≈ HK$493,154/mo (50% DSR)
Upfront cash ≈ HK$37.52M (deposit + AVD stamp duty HK$3,603,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,128
−HK$13,946/mo
▼ 0.25% · 3.875%
HK$265,051
−HK$7,023/mo
Today · 4.125%
HK$272,074
baseline
▲ 0.50% · 4.625%
HK$286,415
+HK$14,341/mo
Deposit HK$33.92M · loan HK$50.88M · min. income ≈ HK$544,148/mo (50% DSR)
Upfront cash ≈ HK$37.52M (deposit + AVD stamp duty HK$3,603,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,698
−HK$16,976/mo
▼ 0.25% · 3.875%
HK$279,119
−HK$8,555/mo
Today · 4.125%
HK$287,674
baseline
▲ 0.50% · 4.625%
HK$305,178
+HK$17,504/mo
Deposit HK$25.44M · loan HK$59.36M · min. income ≈ HK$575,348/mo (50% DSR)
Upfront cash ≈ HK$29.04M (deposit + AVD stamp duty HK$3,603,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,149
−HK$16,270/mo
▼ 0.25% · 3.875%
HK$309,226
−HK$8,193/mo
Today · 4.125%
HK$317,419
baseline
▲ 0.50% · 4.625%
HK$334,151
+HK$16,732/mo
Deposit HK$25.44M · loan HK$59.36M · min. income ≈ HK$634,838/mo (50% DSR)
Upfront cash ≈ HK$29.04M (deposit + AVD stamp duty HK$3,603,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$348,041
−HK$21,825/mo
▼ 0.25% · 3.875%
HK$358,867
−HK$10,999/mo
Today · 4.125%
HK$369,866
baseline
▲ 0.50% · 4.625%
HK$392,371
+HK$22,505/mo
Deposit HK$8.48M · loan HK$76.32M · min. income ≈ HK$739,732/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$3,603,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$387,192
−HK$20,919/mo
▼ 0.25% · 3.875%
HK$397,576
−HK$10,535/mo
Today · 4.125%
HK$408,111
baseline
▲ 0.50% · 4.625%
HK$429,623
+HK$21,512/mo
Deposit HK$8.48M · loan HK$76.32M · min. income ≈ HK$816,222/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$3,603,818 · Scale 2, in force from 26 Feb 2026)