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$198,305
−HK$12,436/mo
▼ 0.25% · 3.875%
HK$204,474
−HK$6,267/mo
Today · 4.125%
HK$210,741
baseline
▲ 0.50% · 4.625%
HK$223,564
+HK$12,823/mo
Deposit HK$43.48M · loan HK$43.48M · min. income ≈ HK$421,482/mo (50% DSR)
Upfront cash ≈ HK$47.18M (deposit + AVD stamp duty HK$3,696,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,613
−HK$11,919/mo
▼ 0.25% · 3.875%
HK$226,529
−HK$6,003/mo
Today · 4.125%
HK$232,532
baseline
▲ 0.50% · 4.625%
HK$244,789
+HK$12,257/mo
Deposit HK$43.48M · loan HK$43.48M · min. income ≈ HK$465,064/mo (50% DSR)
Upfront cash ≈ HK$47.18M (deposit + AVD stamp duty HK$3,696,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,966
−HK$14,923/mo
▼ 0.25% · 3.875%
HK$245,368
−HK$7,521/mo
Today · 4.125%
HK$252,889
baseline
▲ 0.50% · 4.625%
HK$268,277
+HK$15,388/mo
Deposit HK$34.79M · loan HK$52.18M · min. income ≈ HK$505,778/mo (50% DSR)
Upfront cash ≈ HK$38.48M (deposit + AVD stamp duty HK$3,696,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,735
−HK$14,303/mo
▼ 0.25% · 3.875%
HK$271,835
−HK$7,203/mo
Today · 4.125%
HK$279,038
baseline
▲ 0.50% · 4.625%
HK$293,746
+HK$14,708/mo
Deposit HK$34.79M · loan HK$52.18M · min. income ≈ HK$558,076/mo (50% DSR)
Upfront cash ≈ HK$38.48M (deposit + AVD stamp duty HK$3,696,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,627
−HK$17,410/mo
▼ 0.25% · 3.875%
HK$286,263
−HK$8,774/mo
Today · 4.125%
HK$295,037
baseline
▲ 0.50% · 4.625%
HK$312,989
+HK$17,952/mo
Deposit HK$26.09M · loan HK$60.88M · min. income ≈ HK$590,074/mo (50% DSR)
Upfront cash ≈ HK$29.79M (deposit + AVD stamp duty HK$3,696,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,858
−HK$16,686/mo
▼ 0.25% · 3.875%
HK$317,141
−HK$8,403/mo
Today · 4.125%
HK$325,544
baseline
▲ 0.50% · 4.625%
HK$342,704
+HK$17,160/mo
Deposit HK$26.09M · loan HK$60.88M · min. income ≈ HK$651,088/mo (50% DSR)
Upfront cash ≈ HK$29.79M (deposit + AVD stamp duty HK$3,696,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$356,949
−HK$22,384/mo
▼ 0.25% · 3.875%
HK$368,053
−HK$11,280/mo
Today · 4.125%
HK$379,333
baseline
▲ 0.50% · 4.625%
HK$402,415
+HK$23,082/mo
Deposit HK$8.70M · loan HK$78.27M · min. income ≈ HK$758,666/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$3,696,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$397,103
−HK$21,454/mo
▼ 0.25% · 3.875%
HK$407,753
−HK$10,804/mo
Today · 4.125%
HK$418,557
baseline
▲ 0.50% · 4.625%
HK$440,620
+HK$22,063/mo
Deposit HK$8.70M · loan HK$78.27M · min. income ≈ HK$837,114/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$3,696,064 · Scale 2, in force from 26 Feb 2026)