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$196,324
−HK$12,311/mo
▼ 0.25% · 3.875%
HK$202,431
−HK$6,204/mo
Today · 4.125%
HK$208,635
baseline
▲ 0.50% · 4.625%
HK$221,330
+HK$12,695/mo
Deposit HK$43.05M · loan HK$43.05M · min. income ≈ HK$417,270/mo (50% DSR)
Upfront cash ≈ HK$46.71M (deposit + AVD stamp duty HK$3,659,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,408
−HK$11,800/mo
▼ 0.25% · 3.875%
HK$224,266
−HK$5,942/mo
Today · 4.125%
HK$230,208
baseline
▲ 0.50% · 4.625%
HK$242,343
+HK$12,135/mo
Deposit HK$43.05M · loan HK$43.05M · min. income ≈ HK$460,416/mo (50% DSR)
Upfront cash ≈ HK$46.71M (deposit + AVD stamp duty HK$3,659,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,588
−HK$14,774/mo
▼ 0.25% · 3.875%
HK$242,917
−HK$7,445/mo
Today · 4.125%
HK$250,362
baseline
▲ 0.50% · 4.625%
HK$265,596
+HK$15,234/mo
Deposit HK$34.44M · loan HK$51.66M · min. income ≈ HK$500,724/mo (50% DSR)
Upfront cash ≈ HK$38.10M (deposit + AVD stamp duty HK$3,659,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,090
−HK$14,160/mo
▼ 0.25% · 3.875%
HK$269,119
−HK$7,131/mo
Today · 4.125%
HK$276,250
baseline
▲ 0.50% · 4.625%
HK$290,811
+HK$14,561/mo
Deposit HK$34.44M · loan HK$51.66M · min. income ≈ HK$552,500/mo (50% DSR)
Upfront cash ≈ HK$38.10M (deposit + AVD stamp duty HK$3,659,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,853
−HK$17,236/mo
▼ 0.25% · 3.875%
HK$283,403
−HK$8,686/mo
Today · 4.125%
HK$292,089
baseline
▲ 0.50% · 4.625%
HK$309,862
+HK$17,773/mo
Deposit HK$25.83M · loan HK$60.27M · min. income ≈ HK$584,178/mo (50% DSR)
Upfront cash ≈ HK$29.49M (deposit + AVD stamp duty HK$3,659,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,771
−HK$16,520/mo
▼ 0.25% · 3.875%
HK$313,972
−HK$8,319/mo
Today · 4.125%
HK$322,291
baseline
▲ 0.50% · 4.625%
HK$339,280
+HK$16,989/mo
Deposit HK$25.83M · loan HK$60.27M · min. income ≈ HK$644,582/mo (50% DSR)
Upfront cash ≈ HK$29.49M (deposit + AVD stamp duty HK$3,659,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$353,383
−HK$22,160/mo
▼ 0.25% · 3.875%
HK$364,375
−HK$11,168/mo
Today · 4.125%
HK$375,543
baseline
▲ 0.50% · 4.625%
HK$398,394
+HK$22,851/mo
Deposit HK$8.61M · loan HK$77.49M · min. income ≈ HK$751,086/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$3,659,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$393,135
−HK$21,240/mo
▼ 0.25% · 3.875%
HK$403,678
−HK$10,697/mo
Today · 4.125%
HK$414,375
baseline
▲ 0.50% · 4.625%
HK$436,217
+HK$21,842/mo
Deposit HK$8.61M · loan HK$77.49M · min. income ≈ HK$828,750/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$3,659,132 · Scale 2, in force from 26 Feb 2026)