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$198,135
−HK$12,425/mo
▼ 0.25% · 3.875%
HK$204,298
−HK$6,262/mo
Today · 4.125%
HK$210,560
baseline
▲ 0.50% · 4.625%
HK$223,372
+HK$12,812/mo
Deposit HK$43.45M · loan HK$43.45M · min. income ≈ HK$421,120/mo (50% DSR)
Upfront cash ≈ HK$47.14M (deposit + AVD stamp duty HK$3,692,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,424
−HK$11,908/mo
▼ 0.25% · 3.875%
HK$226,335
−HK$5,997/mo
Today · 4.125%
HK$232,332
baseline
▲ 0.50% · 4.625%
HK$244,579
+HK$12,247/mo
Deposit HK$43.45M · loan HK$43.45M · min. income ≈ HK$464,664/mo (50% DSR)
Upfront cash ≈ HK$47.14M (deposit + AVD stamp duty HK$3,692,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,762
−HK$14,910/mo
▼ 0.25% · 3.875%
HK$245,158
−HK$7,514/mo
Today · 4.125%
HK$252,672
baseline
▲ 0.50% · 4.625%
HK$268,047
+HK$15,375/mo
Deposit HK$34.76M · loan HK$52.14M · min. income ≈ HK$505,344/mo (50% DSR)
Upfront cash ≈ HK$38.45M (deposit + AVD stamp duty HK$3,692,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,508
−HK$14,291/mo
▼ 0.25% · 3.875%
HK$271,602
−HK$7,197/mo
Today · 4.125%
HK$278,799
baseline
▲ 0.50% · 4.625%
HK$293,495
+HK$14,696/mo
Deposit HK$34.76M · loan HK$52.14M · min. income ≈ HK$557,598/mo (50% DSR)
Upfront cash ≈ HK$38.45M (deposit + AVD stamp duty HK$3,692,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,389
−HK$17,395/mo
▼ 0.25% · 3.875%
HK$286,018
−HK$8,766/mo
Today · 4.125%
HK$294,784
baseline
▲ 0.50% · 4.625%
HK$312,721
+HK$17,937/mo
Deposit HK$26.07M · loan HK$60.82M · min. income ≈ HK$589,568/mo (50% DSR)
Upfront cash ≈ HK$29.76M (deposit + AVD stamp duty HK$3,692,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,593
−HK$16,672/mo
▼ 0.25% · 3.875%
HK$316,869
−HK$8,396/mo
Today · 4.125%
HK$325,265
baseline
▲ 0.50% · 4.625%
HK$342,410
+HK$17,145/mo
Deposit HK$26.07M · loan HK$60.82M · min. income ≈ HK$650,530/mo (50% DSR)
Upfront cash ≈ HK$29.76M (deposit + AVD stamp duty HK$3,692,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$356,644
−HK$22,364/mo
▼ 0.25% · 3.875%
HK$367,737
−HK$11,271/mo
Today · 4.125%
HK$379,008
baseline
▲ 0.50% · 4.625%
HK$402,070
+HK$23,062/mo
Deposit HK$8.69M · loan HK$78.20M · min. income ≈ HK$758,016/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$3,692,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$396,762
−HK$21,436/mo
▼ 0.25% · 3.875%
HK$407,403
−HK$10,795/mo
Today · 4.125%
HK$418,198
baseline
▲ 0.50% · 4.625%
HK$440,242
+HK$22,044/mo
Deposit HK$8.69M · loan HK$78.20M · min. income ≈ HK$836,396/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$3,692,897 · Scale 2, in force from 26 Feb 2026)