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$183,041
−HK$11,478/mo
▼ 0.25% · 3.875%
HK$188,734
−HK$5,785/mo
Today · 4.125%
HK$194,519
baseline
▲ 0.50% · 4.625%
HK$206,355
+HK$11,836/mo
Deposit HK$40.14M · loan HK$40.14M · min. income ≈ HK$389,038/mo (50% DSR)
Upfront cash ≈ HK$43.55M (deposit + AVD stamp duty HK$3,411,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,631
−HK$11,001/mo
▼ 0.25% · 3.875%
HK$209,092
−HK$5,540/mo
Today · 4.125%
HK$214,632
baseline
▲ 0.50% · 4.625%
HK$225,946
+HK$11,314/mo
Deposit HK$40.14M · loan HK$40.14M · min. income ≈ HK$429,264/mo (50% DSR)
Upfront cash ≈ HK$43.55M (deposit + AVD stamp duty HK$3,411,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,649
−HK$13,774/mo
▼ 0.25% · 3.875%
HK$226,481
−HK$6,942/mo
Today · 4.125%
HK$233,423
baseline
▲ 0.50% · 4.625%
HK$247,626
+HK$14,203/mo
Deposit HK$32.11M · loan HK$48.16M · min. income ≈ HK$466,846/mo (50% DSR)
Upfront cash ≈ HK$35.52M (deposit + AVD stamp duty HK$3,411,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,357
−HK$13,202/mo
▼ 0.25% · 3.875%
HK$250,910
−HK$6,649/mo
Today · 4.125%
HK$257,559
baseline
▲ 0.50% · 4.625%
HK$271,135
+HK$13,576/mo
Deposit HK$32.11M · loan HK$48.16M · min. income ≈ HK$515,118/mo (50% DSR)
Upfront cash ≈ HK$35.52M (deposit + AVD stamp duty HK$3,411,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,257
−HK$16,069/mo
▼ 0.25% · 3.875%
HK$264,228
−HK$8,098/mo
Today · 4.125%
HK$272,326
baseline
▲ 0.50% · 4.625%
HK$288,897
+HK$16,571/mo
Deposit HK$24.08M · loan HK$56.19M · min. income ≈ HK$544,652/mo (50% DSR)
Upfront cash ≈ HK$27.49M (deposit + AVD stamp duty HK$3,411,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,083
−HK$15,402/mo
▼ 0.25% · 3.875%
HK$292,729
−HK$7,756/mo
Today · 4.125%
HK$300,485
baseline
▲ 0.50% · 4.625%
HK$316,324
+HK$15,839/mo
Deposit HK$24.08M · loan HK$56.19M · min. income ≈ HK$600,970/mo (50% DSR)
Upfront cash ≈ HK$27.49M (deposit + AVD stamp duty HK$3,411,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$329,473
−HK$20,661/mo
▼ 0.25% · 3.875%
HK$339,722
−HK$10,412/mo
Today · 4.125%
HK$350,134
baseline
▲ 0.50% · 4.625%
HK$371,439
+HK$21,305/mo
Deposit HK$8.03M · loan HK$72.24M · min. income ≈ HK$700,268/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$3,411,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$366,535
−HK$19,803/mo
▼ 0.25% · 3.875%
HK$376,366
−HK$9,972/mo
Today · 4.125%
HK$386,338
baseline
▲ 0.50% · 4.625%
HK$406,703
+HK$20,365/mo
Deposit HK$8.03M · loan HK$72.24M · min. income ≈ HK$772,676/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$3,411,557 · Scale 2, in force from 26 Feb 2026)