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$208,686
−HK$13,087/mo
▼ 0.25% · 3.875%
HK$215,178
−HK$6,595/mo
Today · 4.125%
HK$221,773
baseline
▲ 0.50% · 4.625%
HK$235,267
+HK$13,494/mo
Deposit HK$45.76M · loan HK$45.76M · min. income ≈ HK$443,546/mo (50% DSR)
Upfront cash ≈ HK$49.65M (deposit + AVD stamp duty HK$3,889,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,161
−HK$12,543/mo
▼ 0.25% · 3.875%
HK$238,388
−HK$6,316/mo
Today · 4.125%
HK$244,704
baseline
▲ 0.50% · 4.625%
HK$257,603
+HK$12,899/mo
Deposit HK$45.76M · loan HK$45.76M · min. income ≈ HK$489,408/mo (50% DSR)
Upfront cash ≈ HK$49.65M (deposit + AVD stamp duty HK$3,889,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,423
−HK$15,704/mo
▼ 0.25% · 3.875%
HK$258,213
−HK$7,914/mo
Today · 4.125%
HK$266,127
baseline
▲ 0.50% · 4.625%
HK$282,320
+HK$16,193/mo
Deposit HK$36.61M · loan HK$54.91M · min. income ≈ HK$532,254/mo (50% DSR)
Upfront cash ≈ HK$40.50M (deposit + AVD stamp duty HK$3,889,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,594
−HK$15,051/mo
▼ 0.25% · 3.875%
HK$286,065
−HK$7,580/mo
Today · 4.125%
HK$293,645
baseline
▲ 0.50% · 4.625%
HK$309,124
+HK$15,479/mo
Deposit HK$36.61M · loan HK$54.91M · min. income ≈ HK$587,290/mo (50% DSR)
Upfront cash ≈ HK$40.50M (deposit + AVD stamp duty HK$3,889,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,161
−HK$18,321/mo
▼ 0.25% · 3.875%
HK$301,249
−HK$9,233/mo
Today · 4.125%
HK$310,482
baseline
▲ 0.50% · 4.625%
HK$329,374
+HK$18,892/mo
Deposit HK$27.46M · loan HK$64.06M · min. income ≈ HK$620,964/mo (50% DSR)
Upfront cash ≈ HK$31.35M (deposit + AVD stamp duty HK$3,889,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$325,026
−HK$17,560/mo
▼ 0.25% · 3.875%
HK$333,743
−HK$8,843/mo
Today · 4.125%
HK$342,586
baseline
▲ 0.50% · 4.625%
HK$360,644
+HK$18,058/mo
Deposit HK$27.46M · loan HK$64.06M · min. income ≈ HK$685,172/mo (50% DSR)
Upfront cash ≈ HK$31.35M (deposit + AVD stamp duty HK$3,889,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$375,635
−HK$23,556/mo
▼ 0.25% · 3.875%
HK$387,320
−HK$11,871/mo
Today · 4.125%
HK$399,191
baseline
▲ 0.50% · 4.625%
HK$423,481
+HK$24,290/mo
Deposit HK$9.15M · loan HK$82.37M · min. income ≈ HK$798,382/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$3,889,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$417,890
−HK$22,578/mo
▼ 0.25% · 3.875%
HK$429,098
−HK$11,370/mo
Today · 4.125%
HK$440,468
baseline
▲ 0.50% · 4.625%
HK$463,685
+HK$23,217/mo
Deposit HK$9.15M · loan HK$82.37M · min. income ≈ HK$880,936/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$3,889,548 · Scale 2, in force from 26 Feb 2026)