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$195,938
−HK$12,288/mo
▼ 0.25% · 3.875%
HK$202,033
−HK$6,193/mo
Today · 4.125%
HK$208,226
baseline
▲ 0.50% · 4.625%
HK$220,896
+HK$12,670/mo
Deposit HK$42.96M · loan HK$42.96M · min. income ≈ HK$416,452/mo (50% DSR)
Upfront cash ≈ HK$46.62M (deposit + AVD stamp duty HK$3,651,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,980
−HK$11,776/mo
▼ 0.25% · 3.875%
HK$223,826
−HK$5,930/mo
Today · 4.125%
HK$229,756
baseline
▲ 0.50% · 4.625%
HK$241,867
+HK$12,111/mo
Deposit HK$42.96M · loan HK$42.96M · min. income ≈ HK$459,512/mo (50% DSR)
Upfront cash ≈ HK$46.62M (deposit + AVD stamp duty HK$3,651,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,126
−HK$14,745/mo
▼ 0.25% · 3.875%
HK$242,440
−HK$7,431/mo
Today · 4.125%
HK$249,871
baseline
▲ 0.50% · 4.625%
HK$265,075
+HK$15,204/mo
Deposit HK$34.37M · loan HK$51.56M · min. income ≈ HK$499,742/mo (50% DSR)
Upfront cash ≈ HK$38.02M (deposit + AVD stamp duty HK$3,651,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,575
−HK$14,133/mo
▼ 0.25% · 3.875%
HK$268,591
−HK$7,117/mo
Today · 4.125%
HK$275,708
baseline
▲ 0.50% · 4.625%
HK$290,241
+HK$14,533/mo
Deposit HK$34.37M · loan HK$51.56M · min. income ≈ HK$551,416/mo (50% DSR)
Upfront cash ≈ HK$38.02M (deposit + AVD stamp duty HK$3,651,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,314
−HK$17,202/mo
▼ 0.25% · 3.875%
HK$282,847
−HK$8,669/mo
Today · 4.125%
HK$291,516
baseline
▲ 0.50% · 4.625%
HK$309,254
+HK$17,738/mo
Deposit HK$25.78M · loan HK$60.15M · min. income ≈ HK$583,032/mo (50% DSR)
Upfront cash ≈ HK$29.43M (deposit + AVD stamp duty HK$3,651,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,171
−HK$16,488/mo
▼ 0.25% · 3.875%
HK$313,356
−HK$8,303/mo
Today · 4.125%
HK$321,659
baseline
▲ 0.50% · 4.625%
HK$338,614
+HK$16,955/mo
Deposit HK$25.78M · loan HK$60.15M · min. income ≈ HK$643,318/mo (50% DSR)
Upfront cash ≈ HK$29.43M (deposit + AVD stamp duty HK$3,651,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,689
−HK$22,117/mo
▼ 0.25% · 3.875%
HK$363,660
−HK$11,146/mo
Today · 4.125%
HK$374,806
baseline
▲ 0.50% · 4.625%
HK$397,612
+HK$22,806/mo
Deposit HK$8.59M · loan HK$77.34M · min. income ≈ HK$749,612/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$3,651,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$392,363
−HK$21,198/mo
▼ 0.25% · 3.875%
HK$402,886
−HK$10,675/mo
Today · 4.125%
HK$413,561
baseline
▲ 0.50% · 4.625%
HK$435,361
+HK$21,800/mo
Deposit HK$8.59M · loan HK$77.34M · min. income ≈ HK$827,122/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$3,651,951 · Scale 2, in force from 26 Feb 2026)