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$182,816
−HK$11,464/mo
▼ 0.25% · 3.875%
HK$188,503
−HK$5,777/mo
Today · 4.125%
HK$194,280
baseline
▲ 0.50% · 4.625%
HK$206,102
+HK$11,822/mo
Deposit HK$40.09M · loan HK$40.09M · min. income ≈ HK$388,560/mo (50% DSR)
Upfront cash ≈ HK$43.49M (deposit + AVD stamp duty HK$3,407,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,381
−HK$10,988/mo
▼ 0.25% · 3.875%
HK$208,835
−HK$5,534/mo
Today · 4.125%
HK$214,369
baseline
▲ 0.50% · 4.625%
HK$225,669
+HK$11,300/mo
Deposit HK$40.09M · loan HK$40.09M · min. income ≈ HK$428,738/mo (50% DSR)
Upfront cash ≈ HK$43.49M (deposit + AVD stamp duty HK$3,407,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,379
−HK$13,757/mo
▼ 0.25% · 3.875%
HK$226,203
−HK$6,933/mo
Today · 4.125%
HK$233,136
baseline
▲ 0.50% · 4.625%
HK$247,322
+HK$14,186/mo
Deposit HK$32.07M · loan HK$48.10M · min. income ≈ HK$466,272/mo (50% DSR)
Upfront cash ≈ HK$35.48M (deposit + AVD stamp duty HK$3,407,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,057
−HK$13,186/mo
▼ 0.25% · 3.875%
HK$250,603
−HK$6,640/mo
Today · 4.125%
HK$257,243
baseline
▲ 0.50% · 4.625%
HK$270,802
+HK$13,559/mo
Deposit HK$32.07M · loan HK$48.10M · min. income ≈ HK$514,486/mo (50% DSR)
Upfront cash ≈ HK$35.48M (deposit + AVD stamp duty HK$3,407,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,942
−HK$16,050/mo
▼ 0.25% · 3.875%
HK$263,904
−HK$8,088/mo
Today · 4.125%
HK$271,992
baseline
▲ 0.50% · 4.625%
HK$288,542
+HK$16,550/mo
Deposit HK$24.05M · loan HK$56.12M · min. income ≈ HK$543,984/mo (50% DSR)
Upfront cash ≈ HK$27.46M (deposit + AVD stamp duty HK$3,407,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,733
−HK$15,383/mo
▼ 0.25% · 3.875%
HK$292,370
−HK$7,746/mo
Today · 4.125%
HK$300,116
baseline
▲ 0.50% · 4.625%
HK$315,936
+HK$15,820/mo
Deposit HK$24.05M · loan HK$56.12M · min. income ≈ HK$600,232/mo (50% DSR)
Upfront cash ≈ HK$27.46M (deposit + AVD stamp duty HK$3,407,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$329,069
−HK$20,635/mo
▼ 0.25% · 3.875%
HK$339,305
−HK$10,399/mo
Today · 4.125%
HK$349,704
baseline
▲ 0.50% · 4.625%
HK$370,983
+HK$21,279/mo
Deposit HK$8.02M · loan HK$72.16M · min. income ≈ HK$699,408/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$3,407,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$366,086
−HK$19,778/mo
▼ 0.25% · 3.875%
HK$375,904
−HK$9,960/mo
Today · 4.125%
HK$385,864
baseline
▲ 0.50% · 4.625%
HK$406,203
+HK$20,339/mo
Deposit HK$8.02M · loan HK$72.16M · min. income ≈ HK$771,728/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$3,407,370 · Scale 2, in force from 26 Feb 2026)