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$186,403
−HK$11,689/mo
▼ 0.25% · 3.875%
HK$192,201
−HK$5,891/mo
Today · 4.125%
HK$198,092
baseline
▲ 0.50% · 4.625%
HK$210,146
+HK$12,054/mo
Deposit HK$40.87M · loan HK$40.87M · min. income ≈ HK$396,184/mo (50% DSR)
Upfront cash ≈ HK$44.35M (deposit + AVD stamp duty HK$3,474,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,372
−HK$11,203/mo
▼ 0.25% · 3.875%
HK$212,933
−HK$5,642/mo
Today · 4.125%
HK$218,575
baseline
▲ 0.50% · 4.625%
HK$230,097
+HK$11,522/mo
Deposit HK$40.87M · loan HK$40.87M · min. income ≈ HK$437,150/mo (50% DSR)
Upfront cash ≈ HK$44.35M (deposit + AVD stamp duty HK$3,474,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,684
−HK$14,027/mo
▼ 0.25% · 3.875%
HK$230,642
−HK$7,069/mo
Today · 4.125%
HK$237,711
baseline
▲ 0.50% · 4.625%
HK$252,175
+HK$14,464/mo
Deposit HK$32.70M · loan HK$49.05M · min. income ≈ HK$475,422/mo (50% DSR)
Upfront cash ≈ HK$36.17M (deposit + AVD stamp duty HK$3,474,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,846
−HK$13,444/mo
▼ 0.25% · 3.875%
HK$255,520
−HK$6,770/mo
Today · 4.125%
HK$262,290
baseline
▲ 0.50% · 4.625%
HK$276,116
+HK$13,826/mo
Deposit HK$32.70M · loan HK$49.05M · min. income ≈ HK$524,580/mo (50% DSR)
Upfront cash ≈ HK$36.17M (deposit + AVD stamp duty HK$3,474,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,964
−HK$16,365/mo
▼ 0.25% · 3.875%
HK$269,082
−HK$8,247/mo
Today · 4.125%
HK$277,329
baseline
▲ 0.50% · 4.625%
HK$294,204
+HK$16,875/mo
Deposit HK$24.52M · loan HK$57.22M · min. income ≈ HK$554,658/mo (50% DSR)
Upfront cash ≈ HK$28.00M (deposit + AVD stamp duty HK$3,474,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,320
−HK$15,685/mo
▼ 0.25% · 3.875%
HK$298,107
−HK$7,898/mo
Today · 4.125%
HK$306,005
baseline
▲ 0.50% · 4.625%
HK$322,135
+HK$16,130/mo
Deposit HK$24.52M · loan HK$57.22M · min. income ≈ HK$612,010/mo (50% DSR)
Upfront cash ≈ HK$28.00M (deposit + AVD stamp duty HK$3,474,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$335,526
−HK$21,040/mo
▼ 0.25% · 3.875%
HK$345,963
−HK$10,603/mo
Today · 4.125%
HK$356,566
baseline
▲ 0.50% · 4.625%
HK$378,262
+HK$21,696/mo
Deposit HK$8.17M · loan HK$73.57M · min. income ≈ HK$713,132/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$3,474,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$373,269
−HK$20,167/mo
▼ 0.25% · 3.875%
HK$383,280
−HK$10,156/mo
Today · 4.125%
HK$393,436
baseline
▲ 0.50% · 4.625%
HK$414,174
+HK$20,738/mo
Deposit HK$8.17M · loan HK$73.57M · min. income ≈ HK$786,872/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$3,474,231 · Scale 2, in force from 26 Feb 2026)