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$191,902
−HK$12,034/mo
▼ 0.25% · 3.875%
HK$197,871
−HK$6,065/mo
Today · 4.125%
HK$203,936
baseline
▲ 0.50% · 4.625%
HK$216,345
+HK$12,409/mo
Deposit HK$42.08M · loan HK$42.08M · min. income ≈ HK$407,872/mo (50% DSR)
Upfront cash ≈ HK$45.66M (deposit + AVD stamp duty HK$3,576,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,489
−HK$11,534/mo
▼ 0.25% · 3.875%
HK$219,215
−HK$5,808/mo
Today · 4.125%
HK$225,023
baseline
▲ 0.50% · 4.625%
HK$236,884
+HK$11,861/mo
Deposit HK$42.08M · loan HK$42.08M · min. income ≈ HK$450,046/mo (50% DSR)
Upfront cash ≈ HK$45.66M (deposit + AVD stamp duty HK$3,576,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,282
−HK$14,441/mo
▼ 0.25% · 3.875%
HK$237,445
−HK$7,278/mo
Today · 4.125%
HK$244,723
baseline
▲ 0.50% · 4.625%
HK$259,614
+HK$14,891/mo
Deposit HK$33.66M · loan HK$50.49M · min. income ≈ HK$489,446/mo (50% DSR)
Upfront cash ≈ HK$37.24M (deposit + AVD stamp duty HK$3,576,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,187
−HK$13,841/mo
▼ 0.25% · 3.875%
HK$263,058
−HK$6,970/mo
Today · 4.125%
HK$270,028
baseline
▲ 0.50% · 4.625%
HK$284,261
+HK$14,233/mo
Deposit HK$33.66M · loan HK$50.49M · min. income ≈ HK$540,056/mo (50% DSR)
Upfront cash ≈ HK$37.24M (deposit + AVD stamp duty HK$3,576,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,663
−HK$16,847/mo
▼ 0.25% · 3.875%
HK$277,020
−HK$8,490/mo
Today · 4.125%
HK$285,510
baseline
▲ 0.50% · 4.625%
HK$302,883
+HK$17,373/mo
Deposit HK$25.25M · loan HK$58.91M · min. income ≈ HK$571,020/mo (50% DSR)
Upfront cash ≈ HK$28.82M (deposit + AVD stamp duty HK$3,576,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$298,885
−HK$16,147/mo
▼ 0.25% · 3.875%
HK$306,901
−HK$8,131/mo
Today · 4.125%
HK$315,032
baseline
▲ 0.50% · 4.625%
HK$331,638
+HK$16,606/mo
Deposit HK$25.25M · loan HK$58.91M · min. income ≈ HK$630,064/mo (50% DSR)
Upfront cash ≈ HK$28.82M (deposit + AVD stamp duty HK$3,576,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$345,424
−HK$21,661/mo
▼ 0.25% · 3.875%
HK$356,168
−HK$10,917/mo
Today · 4.125%
HK$367,085
baseline
▲ 0.50% · 4.625%
HK$389,421
+HK$22,336/mo
Deposit HK$8.42M · loan HK$75.74M · min. income ≈ HK$734,170/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$3,576,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$384,280
−HK$20,762/mo
▼ 0.25% · 3.875%
HK$394,586
−HK$10,456/mo
Today · 4.125%
HK$405,042
baseline
▲ 0.50% · 4.625%
HK$426,392
+HK$21,350/mo
Deposit HK$8.42M · loan HK$75.74M · min. income ≈ HK$810,084/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$3,576,718 · Scale 2, in force from 26 Feb 2026)