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$182,507
−HK$11,445/mo
▼ 0.25% · 3.875%
HK$188,184
−HK$5,768/mo
Today · 4.125%
HK$193,952
baseline
▲ 0.50% · 4.625%
HK$205,753
+HK$11,801/mo
Deposit HK$40.02M · loan HK$40.02M · min. income ≈ HK$387,904/mo (50% DSR)
Upfront cash ≈ HK$43.42M (deposit + AVD stamp duty HK$3,401,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,037
−HK$10,970/mo
▼ 0.25% · 3.875%
HK$208,483
−HK$5,524/mo
Today · 4.125%
HK$214,007
baseline
▲ 0.50% · 4.625%
HK$225,287
+HK$11,280/mo
Deposit HK$40.02M · loan HK$40.02M · min. income ≈ HK$428,014/mo (50% DSR)
Upfront cash ≈ HK$43.42M (deposit + AVD stamp duty HK$3,401,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,008
−HK$13,734/mo
▼ 0.25% · 3.875%
HK$225,821
−HK$6,921/mo
Today · 4.125%
HK$232,742
baseline
▲ 0.50% · 4.625%
HK$246,904
+HK$14,162/mo
Deposit HK$32.02M · loan HK$48.02M · min. income ≈ HK$465,484/mo (50% DSR)
Upfront cash ≈ HK$35.42M (deposit + AVD stamp duty HK$3,401,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,645
−HK$13,163/mo
▼ 0.25% · 3.875%
HK$250,179
−HK$6,629/mo
Today · 4.125%
HK$256,808
baseline
▲ 0.50% · 4.625%
HK$270,345
+HK$13,537/mo
Deposit HK$32.02M · loan HK$48.02M · min. income ≈ HK$513,616/mo (50% DSR)
Upfront cash ≈ HK$35.42M (deposit + AVD stamp duty HK$3,401,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,510
−HK$16,023/mo
▼ 0.25% · 3.875%
HK$263,458
−HK$8,075/mo
Today · 4.125%
HK$271,533
baseline
▲ 0.50% · 4.625%
HK$288,055
+HK$16,522/mo
Deposit HK$24.01M · loan HK$56.03M · min. income ≈ HK$543,066/mo (50% DSR)
Upfront cash ≈ HK$27.41M (deposit + AVD stamp duty HK$3,401,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,252
−HK$15,357/mo
▼ 0.25% · 3.875%
HK$291,876
−HK$7,733/mo
Today · 4.125%
HK$299,609
baseline
▲ 0.50% · 4.625%
HK$315,402
+HK$15,793/mo
Deposit HK$24.01M · loan HK$56.03M · min. income ≈ HK$599,218/mo (50% DSR)
Upfront cash ≈ HK$27.41M (deposit + AVD stamp duty HK$3,401,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,513
−HK$20,600/mo
▼ 0.25% · 3.875%
HK$338,731
−HK$10,382/mo
Today · 4.125%
HK$349,113
baseline
▲ 0.50% · 4.625%
HK$370,356
+HK$21,243/mo
Deposit HK$8.00M · loan HK$72.03M · min. income ≈ HK$698,226/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$3,401,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$365,467
−HK$19,745/mo
▼ 0.25% · 3.875%
HK$375,269
−HK$9,943/mo
Today · 4.125%
HK$385,212
baseline
▲ 0.50% · 4.625%
HK$405,517
+HK$20,305/mo
Deposit HK$8.00M · loan HK$72.03M · min. income ≈ HK$770,424/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$3,401,613 · Scale 2, in force from 26 Feb 2026)