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$211,292
−HK$13,249/mo
▼ 0.25% · 3.875%
HK$217,864
−HK$6,677/mo
Today · 4.125%
HK$224,541
baseline
▲ 0.50% · 4.625%
HK$238,204
+HK$13,663/mo
Deposit HK$46.33M · loan HK$46.33M · min. income ≈ HK$449,082/mo (50% DSR)
Upfront cash ≈ HK$50.27M (deposit + AVD stamp duty HK$3,938,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,060
−HK$12,699/mo
▼ 0.25% · 3.875%
HK$241,364
−HK$6,395/mo
Today · 4.125%
HK$247,759
baseline
▲ 0.50% · 4.625%
HK$260,819
+HK$13,060/mo
Deposit HK$46.33M · loan HK$46.33M · min. income ≈ HK$495,518/mo (50% DSR)
Upfront cash ≈ HK$50.27M (deposit + AVD stamp duty HK$3,938,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,550
−HK$15,900/mo
▼ 0.25% · 3.875%
HK$261,437
−HK$8,013/mo
Today · 4.125%
HK$269,450
baseline
▲ 0.50% · 4.625%
HK$285,845
+HK$16,395/mo
Deposit HK$37.06M · loan HK$55.60M · min. income ≈ HK$538,900/mo (50% DSR)
Upfront cash ≈ HK$41.00M (deposit + AVD stamp duty HK$3,938,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,072
−HK$15,239/mo
▼ 0.25% · 3.875%
HK$289,637
−HK$7,674/mo
Today · 4.125%
HK$297,311
baseline
▲ 0.50% · 4.625%
HK$312,983
+HK$15,672/mo
Deposit HK$37.06M · loan HK$55.60M · min. income ≈ HK$594,622/mo (50% DSR)
Upfront cash ≈ HK$41.00M (deposit + AVD stamp duty HK$3,938,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,808
−HK$18,550/mo
▼ 0.25% · 3.875%
HK$305,009
−HK$9,349/mo
Today · 4.125%
HK$314,358
baseline
▲ 0.50% · 4.625%
HK$333,486
+HK$19,128/mo
Deposit HK$27.80M · loan HK$64.86M · min. income ≈ HK$628,716/mo (50% DSR)
Upfront cash ≈ HK$31.74M (deposit + AVD stamp duty HK$3,938,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$329,084
−HK$17,779/mo
▼ 0.25% · 3.875%
HK$337,909
−HK$8,954/mo
Today · 4.125%
HK$346,863
baseline
▲ 0.50% · 4.625%
HK$365,147
+HK$18,284/mo
Deposit HK$27.80M · loan HK$64.86M · min. income ≈ HK$693,726/mo (50% DSR)
Upfront cash ≈ HK$31.74M (deposit + AVD stamp duty HK$3,938,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$380,325
−HK$23,850/mo
▼ 0.25% · 3.875%
HK$392,155
−HK$12,020/mo
Today · 4.125%
HK$404,175
baseline
▲ 0.50% · 4.625%
HK$428,768
+HK$24,593/mo
Deposit HK$9.27M · loan HK$83.40M · min. income ≈ HK$808,350/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$3,938,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$423,108
−HK$22,859/mo
▼ 0.25% · 3.875%
HK$434,455
−HK$11,512/mo
Today · 4.125%
HK$445,967
baseline
▲ 0.50% · 4.625%
HK$469,474
+HK$23,507/mo
Deposit HK$9.27M · loan HK$83.40M · min. income ≈ HK$891,934/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$3,938,106 · Scale 2, in force from 26 Feb 2026)