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$184,009
−HK$11,539/mo
▼ 0.25% · 3.875%
HK$189,733
−HK$5,815/mo
Today · 4.125%
HK$195,548
baseline
▲ 0.50% · 4.625%
HK$207,447
+HK$11,899/mo
Deposit HK$40.35M · loan HK$40.35M · min. income ≈ HK$391,096/mo (50% DSR)
Upfront cash ≈ HK$43.78M (deposit + AVD stamp duty HK$3,429,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,708
−HK$11,060/mo
▼ 0.25% · 3.875%
HK$210,199
−HK$5,569/mo
Today · 4.125%
HK$215,768
baseline
▲ 0.50% · 4.625%
HK$227,142
+HK$11,374/mo
Deposit HK$40.35M · loan HK$40.35M · min. income ≈ HK$431,536/mo (50% DSR)
Upfront cash ≈ HK$43.78M (deposit + AVD stamp duty HK$3,429,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,811
−HK$13,847/mo
▼ 0.25% · 3.875%
HK$227,680
−HK$6,978/mo
Today · 4.125%
HK$234,658
baseline
▲ 0.50% · 4.625%
HK$248,936
+HK$14,278/mo
Deposit HK$32.28M · loan HK$48.42M · min. income ≈ HK$469,316/mo (50% DSR)
Upfront cash ≈ HK$35.71M (deposit + AVD stamp duty HK$3,429,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,650
−HK$13,272/mo
▼ 0.25% · 3.875%
HK$252,238
−HK$6,684/mo
Today · 4.125%
HK$258,922
baseline
▲ 0.50% · 4.625%
HK$272,570
+HK$13,648/mo
Deposit HK$32.28M · loan HK$48.42M · min. income ≈ HK$517,844/mo (50% DSR)
Upfront cash ≈ HK$35.71M (deposit + AVD stamp duty HK$3,429,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,613
−HK$16,155/mo
▼ 0.25% · 3.875%
HK$265,626
−HK$8,142/mo
Today · 4.125%
HK$273,768
baseline
▲ 0.50% · 4.625%
HK$290,426
+HK$16,658/mo
Deposit HK$24.21M · loan HK$56.49M · min. income ≈ HK$547,536/mo (50% DSR)
Upfront cash ≈ HK$27.64M (deposit + AVD stamp duty HK$3,429,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,592
−HK$15,484/mo
▼ 0.25% · 3.875%
HK$294,278
−HK$7,798/mo
Today · 4.125%
HK$302,076
baseline
▲ 0.50% · 4.625%
HK$317,998
+HK$15,922/mo
Deposit HK$24.21M · loan HK$56.49M · min. income ≈ HK$604,152/mo (50% DSR)
Upfront cash ≈ HK$27.64M (deposit + AVD stamp duty HK$3,429,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$331,217
−HK$20,770/mo
▼ 0.25% · 3.875%
HK$341,519
−HK$10,468/mo
Today · 4.125%
HK$351,987
baseline
▲ 0.50% · 4.625%
HK$373,405
+HK$21,418/mo
Deposit HK$8.07M · loan HK$72.63M · min. income ≈ HK$703,974/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$3,429,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$368,475
−HK$19,908/mo
▼ 0.25% · 3.875%
HK$378,358
−HK$10,025/mo
Today · 4.125%
HK$388,383
baseline
▲ 0.50% · 4.625%
HK$408,855
+HK$20,472/mo
Deposit HK$8.07M · loan HK$72.63M · min. income ≈ HK$776,766/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$3,429,613 · Scale 2, in force from 26 Feb 2026)