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$194,992
−HK$12,228/mo
▼ 0.25% · 3.875%
HK$201,057
−HK$6,163/mo
Today · 4.125%
HK$207,220
baseline
▲ 0.50% · 4.625%
HK$219,828
+HK$12,608/mo
Deposit HK$42.76M · loan HK$42.76M · min. income ≈ HK$414,440/mo (50% DSR)
Upfront cash ≈ HK$46.39M (deposit + AVD stamp duty HK$3,634,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,927
−HK$11,719/mo
▼ 0.25% · 3.875%
HK$222,744
−HK$5,902/mo
Today · 4.125%
HK$228,646
baseline
▲ 0.50% · 4.625%
HK$240,699
+HK$12,053/mo
Deposit HK$42.76M · loan HK$42.76M · min. income ≈ HK$457,292/mo (50% DSR)
Upfront cash ≈ HK$46.39M (deposit + AVD stamp duty HK$3,634,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,990
−HK$14,674/mo
▼ 0.25% · 3.875%
HK$241,269
−HK$7,395/mo
Today · 4.125%
HK$248,664
baseline
▲ 0.50% · 4.625%
HK$263,794
+HK$15,130/mo
Deposit HK$34.21M · loan HK$51.31M · min. income ≈ HK$497,328/mo (50% DSR)
Upfront cash ≈ HK$37.84M (deposit + AVD stamp duty HK$3,634,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,312
−HK$14,064/mo
▼ 0.25% · 3.875%
HK$267,293
−HK$7,083/mo
Today · 4.125%
HK$274,376
baseline
▲ 0.50% · 4.625%
HK$288,838
+HK$14,462/mo
Deposit HK$34.21M · loan HK$51.31M · min. income ≈ HK$548,752/mo (50% DSR)
Upfront cash ≈ HK$37.84M (deposit + AVD stamp duty HK$3,634,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,989
−HK$17,118/mo
▼ 0.25% · 3.875%
HK$281,480
−HK$8,627/mo
Today · 4.125%
HK$290,107
baseline
▲ 0.50% · 4.625%
HK$307,760
+HK$17,653/mo
Deposit HK$25.65M · loan HK$59.86M · min. income ≈ HK$580,214/mo (50% DSR)
Upfront cash ≈ HK$29.29M (deposit + AVD stamp duty HK$3,634,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,697
−HK$16,408/mo
▼ 0.25% · 3.875%
HK$311,842
−HK$8,263/mo
Today · 4.125%
HK$320,105
baseline
▲ 0.50% · 4.625%
HK$336,978
+HK$16,873/mo
Deposit HK$25.65M · loan HK$59.86M · min. income ≈ HK$640,210/mo (50% DSR)
Upfront cash ≈ HK$29.29M (deposit + AVD stamp duty HK$3,634,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$350,985
−HK$22,010/mo
▼ 0.25% · 3.875%
HK$361,903
−HK$11,092/mo
Today · 4.125%
HK$372,995
baseline
▲ 0.50% · 4.625%
HK$395,691
+HK$22,696/mo
Deposit HK$8.55M · loan HK$76.96M · min. income ≈ HK$745,990/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$3,634,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$390,468
−HK$21,096/mo
▼ 0.25% · 3.875%
HK$400,940
−HK$10,624/mo
Today · 4.125%
HK$411,564
baseline
▲ 0.50% · 4.625%
HK$433,258
+HK$21,694/mo
Deposit HK$8.55M · loan HK$76.96M · min. income ≈ HK$823,128/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$3,634,309 · Scale 2, in force from 26 Feb 2026)