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$200,252
−HK$12,557/mo
▼ 0.25% · 3.875%
HK$206,481
−HK$6,328/mo
Today · 4.125%
HK$212,809
baseline
▲ 0.50% · 4.625%
HK$225,758
+HK$12,949/mo
Deposit HK$43.91M · loan HK$43.91M · min. income ≈ HK$425,618/mo (50% DSR)
Upfront cash ≈ HK$47.64M (deposit + AVD stamp duty HK$3,732,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,778
−HK$12,036/mo
▼ 0.25% · 3.875%
HK$228,753
−HK$6,061/mo
Today · 4.125%
HK$234,814
baseline
▲ 0.50% · 4.625%
HK$247,191
+HK$12,377/mo
Deposit HK$43.91M · loan HK$43.91M · min. income ≈ HK$469,628/mo (50% DSR)
Upfront cash ≈ HK$47.64M (deposit + AVD stamp duty HK$3,732,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,302
−HK$15,069/mo
▼ 0.25% · 3.875%
HK$247,777
−HK$7,594/mo
Today · 4.125%
HK$255,371
baseline
▲ 0.50% · 4.625%
HK$270,910
+HK$15,539/mo
Deposit HK$35.13M · loan HK$52.69M · min. income ≈ HK$510,742/mo (50% DSR)
Upfront cash ≈ HK$38.86M (deposit + AVD stamp duty HK$3,732,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,334
−HK$14,443/mo
▼ 0.25% · 3.875%
HK$274,503
−HK$7,274/mo
Today · 4.125%
HK$281,777
baseline
▲ 0.50% · 4.625%
HK$296,630
+HK$14,853/mo
Deposit HK$35.13M · loan HK$52.69M · min. income ≈ HK$563,554/mo (50% DSR)
Upfront cash ≈ HK$38.86M (deposit + AVD stamp duty HK$3,732,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,352
−HK$17,581/mo
▼ 0.25% · 3.875%
HK$289,073
−HK$8,860/mo
Today · 4.125%
HK$297,933
baseline
▲ 0.50% · 4.625%
HK$316,061
+HK$18,128/mo
Deposit HK$26.35M · loan HK$61.47M · min. income ≈ HK$595,866/mo (50% DSR)
Upfront cash ≈ HK$30.08M (deposit + AVD stamp duty HK$3,732,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,889
−HK$16,851/mo
▼ 0.25% · 3.875%
HK$320,254
−HK$8,486/mo
Today · 4.125%
HK$328,740
baseline
▲ 0.50% · 4.625%
HK$346,068
+HK$17,328/mo
Deposit HK$26.35M · loan HK$61.47M · min. income ≈ HK$657,480/mo (50% DSR)
Upfront cash ≈ HK$30.08M (deposit + AVD stamp duty HK$3,732,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$360,453
−HK$22,604/mo
▼ 0.25% · 3.875%
HK$371,665
−HK$11,392/mo
Today · 4.125%
HK$383,057
baseline
▲ 0.50% · 4.625%
HK$406,365
+HK$23,308/mo
Deposit HK$8.78M · loan HK$79.04M · min. income ≈ HK$766,114/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$3,732,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$401,000
−HK$21,665/mo
▼ 0.25% · 3.875%
HK$411,755
−HK$10,910/mo
Today · 4.125%
HK$422,665
baseline
▲ 0.50% · 4.625%
HK$444,944
+HK$22,279/mo
Deposit HK$8.78M · loan HK$79.04M · min. income ≈ HK$845,330/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$3,732,342 · Scale 2, in force from 26 Feb 2026)