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$180,974
−HK$11,349/mo
▼ 0.25% · 3.875%
HK$186,603
−HK$5,720/mo
Today · 4.125%
HK$192,323
baseline
▲ 0.50% · 4.625%
HK$204,025
+HK$11,702/mo
Deposit HK$39.68M · loan HK$39.68M · min. income ≈ HK$384,646/mo (50% DSR)
Upfront cash ≈ HK$43.06M (deposit + AVD stamp duty HK$3,373,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,332
−HK$10,877/mo
▼ 0.25% · 3.875%
HK$206,731
−HK$5,478/mo
Today · 4.125%
HK$212,209
baseline
▲ 0.50% · 4.625%
HK$223,395
+HK$11,186/mo
Deposit HK$39.68M · loan HK$39.68M · min. income ≈ HK$424,418/mo (50% DSR)
Upfront cash ≈ HK$43.06M (deposit + AVD stamp duty HK$3,373,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,169
−HK$13,618/mo
▼ 0.25% · 3.875%
HK$223,924
−HK$6,863/mo
Today · 4.125%
HK$230,787
baseline
▲ 0.50% · 4.625%
HK$244,830
+HK$14,043/mo
Deposit HK$31.75M · loan HK$47.62M · min. income ≈ HK$461,574/mo (50% DSR)
Upfront cash ≈ HK$35.12M (deposit + AVD stamp duty HK$3,373,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,598
−HK$13,053/mo
▼ 0.25% · 3.875%
HK$248,078
−HK$6,573/mo
Today · 4.125%
HK$254,651
baseline
▲ 0.50% · 4.625%
HK$268,074
+HK$13,423/mo
Deposit HK$31.75M · loan HK$47.62M · min. income ≈ HK$509,302/mo (50% DSR)
Upfront cash ≈ HK$35.12M (deposit + AVD stamp duty HK$3,373,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,364
−HK$15,888/mo
▼ 0.25% · 3.875%
HK$261,245
−HK$8,007/mo
Today · 4.125%
HK$269,252
baseline
▲ 0.50% · 4.625%
HK$285,635
+HK$16,383/mo
Deposit HK$23.81M · loan HK$55.56M · min. income ≈ HK$538,504/mo (50% DSR)
Upfront cash ≈ HK$27.18M (deposit + AVD stamp duty HK$3,373,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,864
−HK$15,229/mo
▼ 0.25% · 3.875%
HK$289,424
−HK$7,669/mo
Today · 4.125%
HK$297,093
baseline
▲ 0.50% · 4.625%
HK$312,753
+HK$15,660/mo
Deposit HK$23.81M · loan HK$55.56M · min. income ≈ HK$594,186/mo (50% DSR)
Upfront cash ≈ HK$27.18M (deposit + AVD stamp duty HK$3,373,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$325,753
−HK$20,428/mo
▼ 0.25% · 3.875%
HK$335,886
−HK$10,295/mo
Today · 4.125%
HK$346,181
baseline
▲ 0.50% · 4.625%
HK$367,245
+HK$21,064/mo
Deposit HK$7.94M · loan HK$71.43M · min. income ≈ HK$692,362/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$3,373,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$362,397
−HK$19,579/mo
▼ 0.25% · 3.875%
HK$372,116
−HK$9,860/mo
Today · 4.125%
HK$381,976
baseline
▲ 0.50% · 4.625%
HK$402,111
+HK$20,135/mo
Deposit HK$7.94M · loan HK$71.43M · min. income ≈ HK$763,952/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$3,373,040 · Scale 2, in force from 26 Feb 2026)