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$200,026
−HK$12,543/mo
▼ 0.25% · 3.875%
HK$206,248
−HK$6,321/mo
Today · 4.125%
HK$212,569
baseline
▲ 0.50% · 4.625%
HK$225,504
+HK$12,935/mo
Deposit HK$43.86M · loan HK$43.86M · min. income ≈ HK$425,138/mo (50% DSR)
Upfront cash ≈ HK$47.59M (deposit + AVD stamp duty HK$3,728,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,527
−HK$12,022/mo
▼ 0.25% · 3.875%
HK$228,495
−HK$6,054/mo
Today · 4.125%
HK$234,549
baseline
▲ 0.50% · 4.625%
HK$246,913
+HK$12,364/mo
Deposit HK$43.86M · loan HK$43.86M · min. income ≈ HK$469,098/mo (50% DSR)
Upfront cash ≈ HK$47.59M (deposit + AVD stamp duty HK$3,728,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,031
−HK$15,052/mo
▼ 0.25% · 3.875%
HK$247,497
−HK$7,586/mo
Today · 4.125%
HK$255,083
baseline
▲ 0.50% · 4.625%
HK$270,604
+HK$15,521/mo
Deposit HK$35.09M · loan HK$52.63M · min. income ≈ HK$510,166/mo (50% DSR)
Upfront cash ≈ HK$38.82M (deposit + AVD stamp duty HK$3,728,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,032
−HK$14,427/mo
▼ 0.25% · 3.875%
HK$274,194
−HK$7,265/mo
Today · 4.125%
HK$281,459
baseline
▲ 0.50% · 4.625%
HK$296,295
+HK$14,836/mo
Deposit HK$35.09M · loan HK$52.63M · min. income ≈ HK$562,918/mo (50% DSR)
Upfront cash ≈ HK$38.82M (deposit + AVD stamp duty HK$3,728,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,036
−HK$17,561/mo
▼ 0.25% · 3.875%
HK$288,747
−HK$8,850/mo
Today · 4.125%
HK$297,597
baseline
▲ 0.50% · 4.625%
HK$315,705
+HK$18,108/mo
Deposit HK$26.32M · loan HK$61.40M · min. income ≈ HK$595,194/mo (50% DSR)
Upfront cash ≈ HK$30.04M (deposit + AVD stamp duty HK$3,728,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,537
−HK$16,832/mo
▼ 0.25% · 3.875%
HK$319,893
−HK$8,476/mo
Today · 4.125%
HK$328,369
baseline
▲ 0.50% · 4.625%
HK$345,678
+HK$17,309/mo
Deposit HK$26.32M · loan HK$61.40M · min. income ≈ HK$656,738/mo (50% DSR)
Upfront cash ≈ HK$30.04M (deposit + AVD stamp duty HK$3,728,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$360,047
−HK$22,578/mo
▼ 0.25% · 3.875%
HK$371,246
−HK$11,379/mo
Today · 4.125%
HK$382,625
baseline
▲ 0.50% · 4.625%
HK$405,906
+HK$23,281/mo
Deposit HK$8.77M · loan HK$78.95M · min. income ≈ HK$765,250/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$3,728,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$400,548
−HK$21,641/mo
▼ 0.25% · 3.875%
HK$411,291
−HK$10,898/mo
Today · 4.125%
HK$422,189
baseline
▲ 0.50% · 4.625%
HK$444,443
+HK$22,254/mo
Deposit HK$8.77M · loan HK$78.95M · min. income ≈ HK$844,378/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$3,728,133 · Scale 2, in force from 26 Feb 2026)