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$200,608
−HK$12,580/mo
▼ 0.25% · 3.875%
HK$206,849
−HK$6,339/mo
Today · 4.125%
HK$213,188
baseline
▲ 0.50% · 4.625%
HK$226,160
+HK$12,972/mo
Deposit HK$43.99M · loan HK$43.99M · min. income ≈ HK$426,376/mo (50% DSR)
Upfront cash ≈ HK$47.73M (deposit + AVD stamp duty HK$3,738,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,175
−HK$12,057/mo
▼ 0.25% · 3.875%
HK$229,160
−HK$6,072/mo
Today · 4.125%
HK$235,232
baseline
▲ 0.50% · 4.625%
HK$247,632
+HK$12,400/mo
Deposit HK$43.99M · loan HK$43.99M · min. income ≈ HK$470,464/mo (50% DSR)
Upfront cash ≈ HK$47.73M (deposit + AVD stamp duty HK$3,738,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,730
−HK$15,096/mo
▼ 0.25% · 3.875%
HK$248,218
−HK$7,608/mo
Today · 4.125%
HK$255,826
baseline
▲ 0.50% · 4.625%
HK$271,392
+HK$15,566/mo
Deposit HK$35.19M · loan HK$52.79M · min. income ≈ HK$511,652/mo (50% DSR)
Upfront cash ≈ HK$38.93M (deposit + AVD stamp duty HK$3,738,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,810
−HK$14,469/mo
▼ 0.25% · 3.875%
HK$274,992
−HK$7,287/mo
Today · 4.125%
HK$282,279
baseline
▲ 0.50% · 4.625%
HK$297,158
+HK$14,879/mo
Deposit HK$35.19M · loan HK$52.79M · min. income ≈ HK$564,558/mo (50% DSR)
Upfront cash ≈ HK$38.93M (deposit + AVD stamp duty HK$3,738,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,852
−HK$17,612/mo
▼ 0.25% · 3.875%
HK$289,588
−HK$8,876/mo
Today · 4.125%
HK$298,464
baseline
▲ 0.50% · 4.625%
HK$316,625
+HK$18,161/mo
Deposit HK$26.39M · loan HK$61.58M · min. income ≈ HK$596,928/mo (50% DSR)
Upfront cash ≈ HK$30.13M (deposit + AVD stamp duty HK$3,738,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,445
−HK$16,880/mo
▼ 0.25% · 3.875%
HK$320,824
−HK$8,501/mo
Today · 4.125%
HK$329,325
baseline
▲ 0.50% · 4.625%
HK$346,685
+HK$17,360/mo
Deposit HK$26.39M · loan HK$61.58M · min. income ≈ HK$658,650/mo (50% DSR)
Upfront cash ≈ HK$30.13M (deposit + AVD stamp duty HK$3,738,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$361,095
−HK$22,644/mo
▼ 0.25% · 3.875%
HK$372,327
−HK$11,412/mo
Today · 4.125%
HK$383,739
baseline
▲ 0.50% · 4.625%
HK$407,089
+HK$23,350/mo
Deposit HK$8.80M · loan HK$79.18M · min. income ≈ HK$767,478/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$3,738,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$401,715
−HK$21,703/mo
▼ 0.25% · 3.875%
HK$412,489
−HK$10,929/mo
Today · 4.125%
HK$423,418
baseline
▲ 0.50% · 4.625%
HK$445,737
+HK$22,319/mo
Deposit HK$8.80M · loan HK$79.18M · min. income ≈ HK$846,836/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$3,738,992 · Scale 2, in force from 26 Feb 2026)