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$196,817
−HK$12,342/mo
▼ 0.25% · 3.875%
HK$202,939
−HK$6,220/mo
Today · 4.125%
HK$209,159
baseline
▲ 0.50% · 4.625%
HK$221,886
+HK$12,727/mo
Deposit HK$43.16M · loan HK$43.16M · min. income ≈ HK$418,318/mo (50% DSR)
Upfront cash ≈ HK$46.82M (deposit + AVD stamp duty HK$3,668,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,956
−HK$11,830/mo
▼ 0.25% · 3.875%
HK$224,829
−HK$5,957/mo
Today · 4.125%
HK$230,786
baseline
▲ 0.50% · 4.625%
HK$242,951
+HK$12,165/mo
Deposit HK$43.16M · loan HK$43.16M · min. income ≈ HK$461,572/mo (50% DSR)
Upfront cash ≈ HK$46.82M (deposit + AVD stamp duty HK$3,668,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,180
−HK$14,810/mo
▼ 0.25% · 3.875%
HK$243,526
−HK$7,464/mo
Today · 4.125%
HK$250,990
baseline
▲ 0.50% · 4.625%
HK$266,263
+HK$15,273/mo
Deposit HK$34.53M · loan HK$51.79M · min. income ≈ HK$501,980/mo (50% DSR)
Upfront cash ≈ HK$38.19M (deposit + AVD stamp duty HK$3,668,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,748
−HK$14,195/mo
▼ 0.25% · 3.875%
HK$269,795
−HK$7,148/mo
Today · 4.125%
HK$276,943
baseline
▲ 0.50% · 4.625%
HK$291,541
+HK$14,598/mo
Deposit HK$34.53M · loan HK$51.79M · min. income ≈ HK$553,886/mo (50% DSR)
Upfront cash ≈ HK$38.19M (deposit + AVD stamp duty HK$3,668,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,543
−HK$17,279/mo
▼ 0.25% · 3.875%
HK$284,114
−HK$8,708/mo
Today · 4.125%
HK$292,822
baseline
▲ 0.50% · 4.625%
HK$310,640
+HK$17,818/mo
Deposit HK$25.89M · loan HK$60.42M · min. income ≈ HK$585,644/mo (50% DSR)
Upfront cash ≈ HK$29.56M (deposit + AVD stamp duty HK$3,668,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,539
−HK$16,561/mo
▼ 0.25% · 3.875%
HK$314,760
−HK$8,340/mo
Today · 4.125%
HK$323,100
baseline
▲ 0.50% · 4.625%
HK$340,131
+HK$17,031/mo
Deposit HK$25.89M · loan HK$60.42M · min. income ≈ HK$646,200/mo (50% DSR)
Upfront cash ≈ HK$29.56M (deposit + AVD stamp duty HK$3,668,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$354,270
−HK$22,216/mo
▼ 0.25% · 3.875%
HK$365,290
−HK$11,196/mo
Today · 4.125%
HK$376,486
baseline
▲ 0.50% · 4.625%
HK$399,394
+HK$22,908/mo
Deposit HK$8.63M · loan HK$77.68M · min. income ≈ HK$752,972/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$3,668,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$394,122
−HK$21,293/mo
▼ 0.25% · 3.875%
HK$404,692
−HK$10,723/mo
Today · 4.125%
HK$415,415
baseline
▲ 0.50% · 4.625%
HK$437,312
+HK$21,897/mo
Deposit HK$8.63M · loan HK$77.68M · min. income ≈ HK$830,830/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$3,668,318 · Scale 2, in force from 26 Feb 2026)