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$195,446
−HK$12,257/mo
▼ 0.25% · 3.875%
HK$201,526
−HK$6,177/mo
Today · 4.125%
HK$207,703
baseline
▲ 0.50% · 4.625%
HK$220,341
+HK$12,638/mo
Deposit HK$42.86M · loan HK$42.86M · min. income ≈ HK$415,406/mo (50% DSR)
Upfront cash ≈ HK$46.50M (deposit + AVD stamp duty HK$3,642,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,432
−HK$11,747/mo
▼ 0.25% · 3.875%
HK$223,264
−HK$5,915/mo
Today · 4.125%
HK$229,179
baseline
▲ 0.50% · 4.625%
HK$241,260
+HK$12,081/mo
Deposit HK$42.86M · loan HK$42.86M · min. income ≈ HK$458,358/mo (50% DSR)
Upfront cash ≈ HK$46.50M (deposit + AVD stamp duty HK$3,642,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,536
−HK$14,707/mo
▼ 0.25% · 3.875%
HK$241,831
−HK$7,412/mo
Today · 4.125%
HK$249,243
baseline
▲ 0.50% · 4.625%
HK$264,409
+HK$15,166/mo
Deposit HK$34.28M · loan HK$51.43M · min. income ≈ HK$498,486/mo (50% DSR)
Upfront cash ≈ HK$37.93M (deposit + AVD stamp duty HK$3,642,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,919
−HK$14,096/mo
▼ 0.25% · 3.875%
HK$267,916
−HK$7,099/mo
Today · 4.125%
HK$275,015
baseline
▲ 0.50% · 4.625%
HK$289,512
+HK$14,497/mo
Deposit HK$34.28M · loan HK$51.43M · min. income ≈ HK$550,030/mo (50% DSR)
Upfront cash ≈ HK$37.93M (deposit + AVD stamp duty HK$3,642,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,625
−HK$17,159/mo
▼ 0.25% · 3.875%
HK$282,136
−HK$8,648/mo
Today · 4.125%
HK$290,784
baseline
▲ 0.50% · 4.625%
HK$308,477
+HK$17,693/mo
Deposit HK$25.71M · loan HK$60.00M · min. income ≈ HK$581,568/mo (50% DSR)
Upfront cash ≈ HK$29.36M (deposit + AVD stamp duty HK$3,642,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,405
−HK$16,446/mo
▼ 0.25% · 3.875%
HK$312,569
−HK$8,282/mo
Today · 4.125%
HK$320,851
baseline
▲ 0.50% · 4.625%
HK$337,764
+HK$16,913/mo
Deposit HK$25.71M · loan HK$60.00M · min. income ≈ HK$641,702/mo (50% DSR)
Upfront cash ≈ HK$29.36M (deposit + AVD stamp duty HK$3,642,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$351,804
−HK$22,061/mo
▼ 0.25% · 3.875%
HK$362,747
−HK$11,118/mo
Today · 4.125%
HK$373,865
baseline
▲ 0.50% · 4.625%
HK$396,613
+HK$22,748/mo
Deposit HK$8.57M · loan HK$77.14M · min. income ≈ HK$747,730/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$3,642,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$391,378
−HK$21,145/mo
▼ 0.25% · 3.875%
HK$401,874
−HK$10,649/mo
Today · 4.125%
HK$412,523
baseline
▲ 0.50% · 4.625%
HK$434,267
+HK$21,744/mo
Deposit HK$8.57M · loan HK$77.14M · min. income ≈ HK$825,046/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$3,642,780 · Scale 2, in force from 26 Feb 2026)