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$181,018
−HK$11,351/mo
▼ 0.25% · 3.875%
HK$186,649
−HK$5,720/mo
Today · 4.125%
HK$192,369
baseline
▲ 0.50% · 4.625%
HK$204,075
+HK$11,706/mo
Deposit HK$39.69M · loan HK$39.69M · min. income ≈ HK$384,738/mo (50% DSR)
Upfront cash ≈ HK$43.07M (deposit + AVD stamp duty HK$3,373,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,381
−HK$10,880/mo
▼ 0.25% · 3.875%
HK$206,782
−HK$5,479/mo
Today · 4.125%
HK$212,261
baseline
▲ 0.50% · 4.625%
HK$223,449
+HK$11,188/mo
Deposit HK$39.69M · loan HK$39.69M · min. income ≈ HK$424,522/mo (50% DSR)
Upfront cash ≈ HK$43.07M (deposit + AVD stamp duty HK$3,373,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,222
−HK$13,621/mo
▼ 0.25% · 3.875%
HK$223,978
−HK$6,865/mo
Today · 4.125%
HK$230,843
baseline
▲ 0.50% · 4.625%
HK$244,890
+HK$14,047/mo
Deposit HK$31.75M · loan HK$47.63M · min. income ≈ HK$461,686/mo (50% DSR)
Upfront cash ≈ HK$35.13M (deposit + AVD stamp duty HK$3,373,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,657
−HK$13,056/mo
▼ 0.25% · 3.875%
HK$248,138
−HK$6,575/mo
Today · 4.125%
HK$254,713
baseline
▲ 0.50% · 4.625%
HK$268,139
+HK$13,426/mo
Deposit HK$31.75M · loan HK$47.63M · min. income ≈ HK$509,426/mo (50% DSR)
Upfront cash ≈ HK$35.13M (deposit + AVD stamp duty HK$3,373,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,425
−HK$15,892/mo
▼ 0.25% · 3.875%
HK$261,308
−HK$8,009/mo
Today · 4.125%
HK$269,317
baseline
▲ 0.50% · 4.625%
HK$285,704
+HK$16,387/mo
Deposit HK$23.82M · loan HK$55.57M · min. income ≈ HK$538,634/mo (50% DSR)
Upfront cash ≈ HK$27.19M (deposit + AVD stamp duty HK$3,373,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,933
−HK$15,232/mo
▼ 0.25% · 3.875%
HK$289,494
−HK$7,671/mo
Today · 4.125%
HK$297,165
baseline
▲ 0.50% · 4.625%
HK$312,829
+HK$15,664/mo
Deposit HK$23.82M · loan HK$55.57M · min. income ≈ HK$594,330/mo (50% DSR)
Upfront cash ≈ HK$27.19M (deposit + AVD stamp duty HK$3,373,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$325,832
−HK$20,433/mo
▼ 0.25% · 3.875%
HK$335,968
−HK$10,297/mo
Today · 4.125%
HK$346,265
baseline
▲ 0.50% · 4.625%
HK$367,334
+HK$21,069/mo
Deposit HK$7.94M · loan HK$71.45M · min. income ≈ HK$692,530/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$3,373,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$362,485
−HK$19,584/mo
▼ 0.25% · 3.875%
HK$372,207
−HK$9,862/mo
Today · 4.125%
HK$382,069
baseline
▲ 0.50% · 4.625%
HK$402,209
+HK$20,140/mo
Deposit HK$7.94M · loan HK$71.45M · min. income ≈ HK$764,138/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$3,373,860 · Scale 2, in force from 26 Feb 2026)