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$188,681
−HK$11,832/mo
▼ 0.25% · 3.875%
HK$194,550
−HK$5,963/mo
Today · 4.125%
HK$200,513
baseline
▲ 0.50% · 4.625%
HK$212,713
+HK$12,200/mo
Deposit HK$41.37M · loan HK$41.37M · min. income ≈ HK$401,026/mo (50% DSR)
Upfront cash ≈ HK$44.89M (deposit + AVD stamp duty HK$3,516,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,905
−HK$11,341/mo
▼ 0.25% · 3.875%
HK$215,535
−HK$5,711/mo
Today · 4.125%
HK$221,246
baseline
▲ 0.50% · 4.625%
HK$232,908
+HK$11,662/mo
Deposit HK$41.37M · loan HK$41.37M · min. income ≈ HK$442,492/mo (50% DSR)
Upfront cash ≈ HK$44.89M (deposit + AVD stamp duty HK$3,516,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,417
−HK$14,198/mo
▼ 0.25% · 3.875%
HK$233,460
−HK$7,155/mo
Today · 4.125%
HK$240,615
baseline
▲ 0.50% · 4.625%
HK$255,256
+HK$14,641/mo
Deposit HK$33.10M · loan HK$49.65M · min. income ≈ HK$481,230/mo (50% DSR)
Upfront cash ≈ HK$36.61M (deposit + AVD stamp duty HK$3,516,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,886
−HK$13,609/mo
▼ 0.25% · 3.875%
HK$258,642
−HK$6,853/mo
Today · 4.125%
HK$265,495
baseline
▲ 0.50% · 4.625%
HK$279,490
+HK$13,995/mo
Deposit HK$33.10M · loan HK$49.65M · min. income ≈ HK$530,990/mo (50% DSR)
Upfront cash ≈ HK$36.61M (deposit + AVD stamp duty HK$3,516,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,153
−HK$16,565/mo
▼ 0.25% · 3.875%
HK$272,370
−HK$8,348/mo
Today · 4.125%
HK$280,718
baseline
▲ 0.50% · 4.625%
HK$297,799
+HK$17,081/mo
Deposit HK$24.82M · loan HK$57.92M · min. income ≈ HK$561,436/mo (50% DSR)
Upfront cash ≈ HK$28.34M (deposit + AVD stamp duty HK$3,516,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,867
−HK$15,877/mo
▼ 0.25% · 3.875%
HK$301,749
−HK$7,995/mo
Today · 4.125%
HK$309,744
baseline
▲ 0.50% · 4.625%
HK$326,071
+HK$16,327/mo
Deposit HK$24.82M · loan HK$57.92M · min. income ≈ HK$619,488/mo (50% DSR)
Upfront cash ≈ HK$28.34M (deposit + AVD stamp duty HK$3,516,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$339,625
−HK$21,298/mo
▼ 0.25% · 3.875%
HK$350,189
−HK$10,734/mo
Today · 4.125%
HK$360,923
baseline
▲ 0.50% · 4.625%
HK$382,884
+HK$21,961/mo
Deposit HK$8.27M · loan HK$74.47M · min. income ≈ HK$721,846/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$3,516,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$377,830
−HK$20,413/mo
▼ 0.25% · 3.875%
HK$387,963
−HK$10,280/mo
Today · 4.125%
HK$398,243
baseline
▲ 0.50% · 4.625%
HK$419,234
+HK$20,991/mo
Deposit HK$8.27M · loan HK$74.47M · min. income ≈ HK$796,486/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$3,516,678 · Scale 2, in force from 26 Feb 2026)