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$197,801
−HK$12,404/mo
▼ 0.25% · 3.875%
HK$203,954
−HK$6,251/mo
Today · 4.125%
HK$210,205
baseline
▲ 0.50% · 4.625%
HK$222,995
+HK$12,790/mo
Deposit HK$43.37M · loan HK$43.37M · min. income ≈ HK$420,410/mo (50% DSR)
Upfront cash ≈ HK$47.06M (deposit + AVD stamp duty HK$3,686,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,052
−HK$11,888/mo
▼ 0.25% · 3.875%
HK$225,953
−HK$5,987/mo
Today · 4.125%
HK$231,940
baseline
▲ 0.50% · 4.625%
HK$244,166
+HK$12,226/mo
Deposit HK$43.37M · loan HK$43.37M · min. income ≈ HK$463,880/mo (50% DSR)
Upfront cash ≈ HK$47.06M (deposit + AVD stamp duty HK$3,686,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,361
−HK$14,885/mo
▼ 0.25% · 3.875%
HK$244,745
−HK$7,501/mo
Today · 4.125%
HK$252,246
baseline
▲ 0.50% · 4.625%
HK$267,594
+HK$15,348/mo
Deposit HK$34.70M · loan HK$52.05M · min. income ≈ HK$504,492/mo (50% DSR)
Upfront cash ≈ HK$38.38M (deposit + AVD stamp duty HK$3,686,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,062
−HK$14,266/mo
▼ 0.25% · 3.875%
HK$271,144
−HK$7,184/mo
Today · 4.125%
HK$278,328
baseline
▲ 0.50% · 4.625%
HK$292,999
+HK$14,671/mo
Deposit HK$34.70M · loan HK$52.05M · min. income ≈ HK$556,656/mo (50% DSR)
Upfront cash ≈ HK$38.38M (deposit + AVD stamp duty HK$3,686,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,921
−HK$17,366/mo
▼ 0.25% · 3.875%
HK$285,535
−HK$8,752/mo
Today · 4.125%
HK$294,287
baseline
▲ 0.50% · 4.625%
HK$312,193
+HK$17,906/mo
Deposit HK$26.02M · loan HK$60.72M · min. income ≈ HK$588,574/mo (50% DSR)
Upfront cash ≈ HK$29.71M (deposit + AVD stamp duty HK$3,686,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,072
−HK$16,644/mo
▼ 0.25% · 3.875%
HK$316,335
−HK$8,381/mo
Today · 4.125%
HK$324,716
baseline
▲ 0.50% · 4.625%
HK$341,833
+HK$17,117/mo
Deposit HK$26.02M · loan HK$60.72M · min. income ≈ HK$649,432/mo (50% DSR)
Upfront cash ≈ HK$29.71M (deposit + AVD stamp duty HK$3,686,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$356,042
−HK$22,327/mo
▼ 0.25% · 3.875%
HK$367,117
−HK$11,252/mo
Today · 4.125%
HK$378,369
baseline
▲ 0.50% · 4.625%
HK$401,392
+HK$23,023/mo
Deposit HK$8.67M · loan HK$78.07M · min. income ≈ HK$756,738/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$3,686,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$396,093
−HK$21,400/mo
▼ 0.25% · 3.875%
HK$406,716
−HK$10,777/mo
Today · 4.125%
HK$417,493
baseline
▲ 0.50% · 4.625%
HK$439,499
+HK$22,006/mo
Deposit HK$8.67M · loan HK$78.07M · min. income ≈ HK$834,986/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$3,686,666 · Scale 2, in force from 26 Feb 2026)