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$200,210
−HK$12,555/mo
▼ 0.25% · 3.875%
HK$206,437
−HK$6,328/mo
Today · 4.125%
HK$212,765
baseline
▲ 0.50% · 4.625%
HK$225,711
+HK$12,946/mo
Deposit HK$43.90M · loan HK$43.90M · min. income ≈ HK$425,530/mo (50% DSR)
Upfront cash ≈ HK$47.63M (deposit + AVD stamp duty HK$3,731,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,731
−HK$12,034/mo
▼ 0.25% · 3.875%
HK$228,705
−HK$6,060/mo
Today · 4.125%
HK$234,765
baseline
▲ 0.50% · 4.625%
HK$247,140
+HK$12,375/mo
Deposit HK$43.90M · loan HK$43.90M · min. income ≈ HK$469,530/mo (50% DSR)
Upfront cash ≈ HK$47.63M (deposit + AVD stamp duty HK$3,731,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,252
−HK$15,066/mo
▼ 0.25% · 3.875%
HK$247,725
−HK$7,593/mo
Today · 4.125%
HK$255,318
baseline
▲ 0.50% · 4.625%
HK$270,853
+HK$15,535/mo
Deposit HK$35.12M · loan HK$52.68M · min. income ≈ HK$510,636/mo (50% DSR)
Upfront cash ≈ HK$38.85M (deposit + AVD stamp duty HK$3,731,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,278
−HK$14,440/mo
▼ 0.25% · 3.875%
HK$274,446
−HK$7,272/mo
Today · 4.125%
HK$281,718
baseline
▲ 0.50% · 4.625%
HK$296,568
+HK$14,850/mo
Deposit HK$35.12M · loan HK$52.68M · min. income ≈ HK$563,436/mo (50% DSR)
Upfront cash ≈ HK$38.85M (deposit + AVD stamp duty HK$3,731,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,294
−HK$17,577/mo
▼ 0.25% · 3.875%
HK$289,012
−HK$8,859/mo
Today · 4.125%
HK$297,871
baseline
▲ 0.50% · 4.625%
HK$315,995
+HK$18,124/mo
Deposit HK$26.34M · loan HK$61.46M · min. income ≈ HK$595,742/mo (50% DSR)
Upfront cash ≈ HK$30.07M (deposit + AVD stamp duty HK$3,731,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,824
−HK$16,847/mo
▼ 0.25% · 3.875%
HK$320,187
−HK$8,484/mo
Today · 4.125%
HK$328,671
baseline
▲ 0.50% · 4.625%
HK$345,996
+HK$17,325/mo
Deposit HK$26.34M · loan HK$61.46M · min. income ≈ HK$657,342/mo (50% DSR)
Upfront cash ≈ HK$30.07M (deposit + AVD stamp duty HK$3,731,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$360,378
−HK$22,599/mo
▼ 0.25% · 3.875%
HK$371,587
−HK$11,390/mo
Today · 4.125%
HK$382,977
baseline
▲ 0.50% · 4.625%
HK$406,280
+HK$23,303/mo
Deposit HK$8.78M · loan HK$79.02M · min. income ≈ HK$765,954/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$3,731,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$400,917
−HK$21,660/mo
▼ 0.25% · 3.875%
HK$411,669
−HK$10,908/mo
Today · 4.125%
HK$422,577
baseline
▲ 0.50% · 4.625%
HK$444,851
+HK$22,274/mo
Deposit HK$8.78M · loan HK$79.02M · min. income ≈ HK$845,154/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$3,731,562 · Scale 2, in force from 26 Feb 2026)