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$190,726
−HK$11,961/mo
▼ 0.25% · 3.875%
HK$196,659
−HK$6,028/mo
Today · 4.125%
HK$202,687
baseline
▲ 0.50% · 4.625%
HK$215,020
+HK$12,333/mo
Deposit HK$41.82M · loan HK$41.82M · min. income ≈ HK$405,374/mo (50% DSR)
Upfront cash ≈ HK$45.38M (deposit + AVD stamp duty HK$3,554,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,181
−HK$11,464/mo
▼ 0.25% · 3.875%
HK$217,872
−HK$5,773/mo
Today · 4.125%
HK$223,645
baseline
▲ 0.50% · 4.625%
HK$235,433
+HK$11,788/mo
Deposit HK$41.82M · loan HK$41.82M · min. income ≈ HK$447,290/mo (50% DSR)
Upfront cash ≈ HK$45.38M (deposit + AVD stamp duty HK$3,554,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,872
−HK$14,352/mo
▼ 0.25% · 3.875%
HK$235,991
−HK$7,233/mo
Today · 4.125%
HK$243,224
baseline
▲ 0.50% · 4.625%
HK$258,023
+HK$14,799/mo
Deposit HK$33.46M · loan HK$50.19M · min. income ≈ HK$486,448/mo (50% DSR)
Upfront cash ≈ HK$37.01M (deposit + AVD stamp duty HK$3,554,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,617
−HK$13,756/mo
▼ 0.25% · 3.875%
HK$261,446
−HK$6,927/mo
Today · 4.125%
HK$268,373
baseline
▲ 0.50% · 4.625%
HK$282,520
+HK$14,147/mo
Deposit HK$33.46M · loan HK$50.19M · min. income ≈ HK$536,746/mo (50% DSR)
Upfront cash ≈ HK$37.01M (deposit + AVD stamp duty HK$3,554,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,017
−HK$16,744/mo
▼ 0.25% · 3.875%
HK$275,323
−HK$8,438/mo
Today · 4.125%
HK$283,761
baseline
▲ 0.50% · 4.625%
HK$301,027
+HK$17,266/mo
Deposit HK$25.09M · loan HK$58.55M · min. income ≈ HK$567,522/mo (50% DSR)
Upfront cash ≈ HK$28.65M (deposit + AVD stamp duty HK$3,554,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,054
−HK$16,048/mo
▼ 0.25% · 3.875%
HK$305,020
−HK$8,082/mo
Today · 4.125%
HK$313,102
baseline
▲ 0.50% · 4.625%
HK$329,606
+HK$16,504/mo
Deposit HK$25.09M · loan HK$58.55M · min. income ≈ HK$626,204/mo (50% DSR)
Upfront cash ≈ HK$28.65M (deposit + AVD stamp duty HK$3,554,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$343,307
−HK$21,529/mo
▼ 0.25% · 3.875%
HK$353,986
−HK$10,850/mo
Today · 4.125%
HK$364,836
baseline
▲ 0.50% · 4.625%
HK$387,035
+HK$22,199/mo
Deposit HK$8.36M · loan HK$75.28M · min. income ≈ HK$729,672/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$3,554,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$381,926
−HK$20,634/mo
▼ 0.25% · 3.875%
HK$392,169
−HK$10,391/mo
Today · 4.125%
HK$402,560
baseline
▲ 0.50% · 4.625%
HK$423,780
+HK$21,220/mo
Deposit HK$8.36M · loan HK$75.28M · min. income ≈ HK$805,120/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$3,554,806 · Scale 2, in force from 26 Feb 2026)