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$201,331
−HK$12,625/mo
▼ 0.25% · 3.875%
HK$207,594
−HK$6,362/mo
Today · 4.125%
HK$213,956
baseline
▲ 0.50% · 4.625%
HK$226,975
+HK$13,019/mo
Deposit HK$44.15M · loan HK$44.15M · min. income ≈ HK$427,912/mo (50% DSR)
Upfront cash ≈ HK$47.90M (deposit + AVD stamp duty HK$3,752,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,979
−HK$12,101/mo
▼ 0.25% · 3.875%
HK$229,986
−HK$6,094/mo
Today · 4.125%
HK$236,080
baseline
▲ 0.50% · 4.625%
HK$248,524
+HK$12,444/mo
Deposit HK$44.15M · loan HK$44.15M · min. income ≈ HK$472,160/mo (50% DSR)
Upfront cash ≈ HK$47.90M (deposit + AVD stamp duty HK$3,752,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,597
−HK$15,151/mo
▼ 0.25% · 3.875%
HK$249,112
−HK$7,636/mo
Today · 4.125%
HK$256,748
baseline
▲ 0.50% · 4.625%
HK$272,370
+HK$15,622/mo
Deposit HK$35.32M · loan HK$52.98M · min. income ≈ HK$513,496/mo (50% DSR)
Upfront cash ≈ HK$39.07M (deposit + AVD stamp duty HK$3,752,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,775
−HK$14,521/mo
▼ 0.25% · 3.875%
HK$275,983
−HK$7,313/mo
Today · 4.125%
HK$283,296
baseline
▲ 0.50% · 4.625%
HK$298,229
+HK$14,933/mo
Deposit HK$35.32M · loan HK$52.98M · min. income ≈ HK$566,592/mo (50% DSR)
Upfront cash ≈ HK$39.07M (deposit + AVD stamp duty HK$3,752,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,864
−HK$17,675/mo
▼ 0.25% · 3.875%
HK$290,631
−HK$8,908/mo
Today · 4.125%
HK$299,539
baseline
▲ 0.50% · 4.625%
HK$317,765
+HK$18,226/mo
Deposit HK$26.49M · loan HK$61.81M · min. income ≈ HK$599,078/mo (50% DSR)
Upfront cash ≈ HK$30.24M (deposit + AVD stamp duty HK$3,752,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,570
−HK$16,942/mo
▼ 0.25% · 3.875%
HK$321,980
−HK$8,532/mo
Today · 4.125%
HK$330,512
baseline
▲ 0.50% · 4.625%
HK$347,933
+HK$17,421/mo
Deposit HK$26.49M · loan HK$61.81M · min. income ≈ HK$661,024/mo (50% DSR)
Upfront cash ≈ HK$30.24M (deposit + AVD stamp duty HK$3,752,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$362,396
−HK$22,726/mo
▼ 0.25% · 3.875%
HK$373,669
−HK$11,453/mo
Today · 4.125%
HK$385,122
baseline
▲ 0.50% · 4.625%
HK$408,555
+HK$23,433/mo
Deposit HK$8.83M · loan HK$79.46M · min. income ≈ HK$770,244/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$3,752,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$403,162
−HK$21,782/mo
▼ 0.25% · 3.875%
HK$413,975
−HK$10,969/mo
Today · 4.125%
HK$424,944
baseline
▲ 0.50% · 4.625%
HK$447,343
+HK$22,399/mo
Deposit HK$8.83M · loan HK$79.46M · min. income ≈ HK$849,888/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$3,752,462 · Scale 2, in force from 26 Feb 2026)