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$199,651
−HK$12,519/mo
▼ 0.25% · 3.875%
HK$205,861
−HK$6,309/mo
Today · 4.125%
HK$212,170
baseline
▲ 0.50% · 4.625%
HK$225,081
+HK$12,911/mo
Deposit HK$43.78M · loan HK$43.78M · min. income ≈ HK$424,340/mo (50% DSR)
Upfront cash ≈ HK$47.50M (deposit + AVD stamp duty HK$3,721,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,109
−HK$12,000/mo
▼ 0.25% · 3.875%
HK$228,066
−HK$6,043/mo
Today · 4.125%
HK$234,109
baseline
▲ 0.50% · 4.625%
HK$246,449
+HK$12,340/mo
Deposit HK$43.78M · loan HK$43.78M · min. income ≈ HK$468,218/mo (50% DSR)
Upfront cash ≈ HK$47.50M (deposit + AVD stamp duty HK$3,721,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,581
−HK$15,024/mo
▼ 0.25% · 3.875%
HK$247,033
−HK$7,572/mo
Today · 4.125%
HK$254,605
baseline
▲ 0.50% · 4.625%
HK$270,097
+HK$15,492/mo
Deposit HK$35.02M · loan HK$52.53M · min. income ≈ HK$509,210/mo (50% DSR)
Upfront cash ≈ HK$38.74M (deposit + AVD stamp duty HK$3,721,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,531
−HK$14,400/mo
▼ 0.25% · 3.875%
HK$273,679
−HK$7,252/mo
Today · 4.125%
HK$280,931
baseline
▲ 0.50% · 4.625%
HK$295,739
+HK$14,808/mo
Deposit HK$35.02M · loan HK$52.53M · min. income ≈ HK$561,862/mo (50% DSR)
Upfront cash ≈ HK$38.74M (deposit + AVD stamp duty HK$3,721,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,511
−HK$17,528/mo
▼ 0.25% · 3.875%
HK$288,205
−HK$8,834/mo
Today · 4.125%
HK$297,039
baseline
▲ 0.50% · 4.625%
HK$315,113
+HK$18,074/mo
Deposit HK$26.27M · loan HK$61.29M · min. income ≈ HK$594,078/mo (50% DSR)
Upfront cash ≈ HK$29.99M (deposit + AVD stamp duty HK$3,721,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,953
−HK$16,800/mo
▼ 0.25% · 3.875%
HK$319,293
−HK$8,460/mo
Today · 4.125%
HK$327,753
baseline
▲ 0.50% · 4.625%
HK$345,029
+HK$17,276/mo
Deposit HK$26.27M · loan HK$61.29M · min. income ≈ HK$655,506/mo (50% DSR)
Upfront cash ≈ HK$29.99M (deposit + AVD stamp duty HK$3,721,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$359,371
−HK$22,536/mo
▼ 0.25% · 3.875%
HK$370,550
−HK$11,357/mo
Today · 4.125%
HK$381,907
baseline
▲ 0.50% · 4.625%
HK$405,145
+HK$23,238/mo
Deposit HK$8.76M · loan HK$78.80M · min. income ≈ HK$763,814/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$3,721,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$399,797
−HK$21,600/mo
▼ 0.25% · 3.875%
HK$410,519
−HK$10,878/mo
Today · 4.125%
HK$421,397
baseline
▲ 0.50% · 4.625%
HK$443,609
+HK$22,212/mo
Deposit HK$8.76M · loan HK$78.80M · min. income ≈ HK$842,794/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$3,721,139 · Scale 2, in force from 26 Feb 2026)