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$208,556
−HK$13,079/mo
▼ 0.25% · 3.875%
HK$215,044
−HK$6,591/mo
Today · 4.125%
HK$221,635
baseline
▲ 0.50% · 4.625%
HK$235,121
+HK$13,486/mo
Deposit HK$45.73M · loan HK$45.73M · min. income ≈ HK$443,270/mo (50% DSR)
Upfront cash ≈ HK$49.62M (deposit + AVD stamp duty HK$3,887,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,017
−HK$12,535/mo
▼ 0.25% · 3.875%
HK$238,239
−HK$6,313/mo
Today · 4.125%
HK$244,552
baseline
▲ 0.50% · 4.625%
HK$257,443
+HK$12,891/mo
Deposit HK$45.73M · loan HK$45.73M · min. income ≈ HK$489,104/mo (50% DSR)
Upfront cash ≈ HK$49.62M (deposit + AVD stamp duty HK$3,887,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,268
−HK$15,694/mo
▼ 0.25% · 3.875%
HK$258,052
−HK$7,910/mo
Today · 4.125%
HK$265,962
baseline
▲ 0.50% · 4.625%
HK$282,145
+HK$16,183/mo
Deposit HK$36.58M · loan HK$54.88M · min. income ≈ HK$531,924/mo (50% DSR)
Upfront cash ≈ HK$40.47M (deposit + AVD stamp duty HK$3,887,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,420
−HK$15,042/mo
▼ 0.25% · 3.875%
HK$285,887
−HK$7,575/mo
Today · 4.125%
HK$293,462
baseline
▲ 0.50% · 4.625%
HK$308,931
+HK$15,469/mo
Deposit HK$36.58M · loan HK$54.88M · min. income ≈ HK$586,924/mo (50% DSR)
Upfront cash ≈ HK$40.47M (deposit + AVD stamp duty HK$3,887,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,979
−HK$18,310/mo
▼ 0.25% · 3.875%
HK$301,061
−HK$9,228/mo
Today · 4.125%
HK$310,289
baseline
▲ 0.50% · 4.625%
HK$329,169
+HK$18,880/mo
Deposit HK$27.44M · loan HK$64.02M · min. income ≈ HK$620,578/mo (50% DSR)
Upfront cash ≈ HK$31.33M (deposit + AVD stamp duty HK$3,887,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$324,824
−HK$17,549/mo
▼ 0.25% · 3.875%
HK$333,535
−HK$8,838/mo
Today · 4.125%
HK$342,373
baseline
▲ 0.50% · 4.625%
HK$360,420
+HK$18,047/mo
Deposit HK$27.44M · loan HK$64.02M · min. income ≈ HK$684,746/mo (50% DSR)
Upfront cash ≈ HK$31.33M (deposit + AVD stamp duty HK$3,887,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$375,402
−HK$23,541/mo
▼ 0.25% · 3.875%
HK$387,079
−HK$11,864/mo
Today · 4.125%
HK$398,943
baseline
▲ 0.50% · 4.625%
HK$423,217
+HK$24,274/mo
Deposit HK$9.15M · loan HK$82.32M · min. income ≈ HK$797,886/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$3,887,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$417,630
−HK$22,564/mo
▼ 0.25% · 3.875%
HK$428,831
−HK$11,363/mo
Today · 4.125%
HK$440,194
baseline
▲ 0.50% · 4.625%
HK$463,397
+HK$23,203/mo
Deposit HK$9.15M · loan HK$82.32M · min. income ≈ HK$880,388/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$3,887,128 · Scale 2, in force from 26 Feb 2026)