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$210,626
−HK$13,209/mo
▼ 0.25% · 3.875%
HK$217,178
−HK$6,657/mo
Today · 4.125%
HK$223,835
baseline
▲ 0.50% · 4.625%
HK$237,454
+HK$13,619/mo
Deposit HK$46.18M · loan HK$46.18M · min. income ≈ HK$447,670/mo (50% DSR)
Upfront cash ≈ HK$50.11M (deposit + AVD stamp duty HK$3,925,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,320
−HK$12,659/mo
▼ 0.25% · 3.875%
HK$240,604
−HK$6,375/mo
Today · 4.125%
HK$246,979
baseline
▲ 0.50% · 4.625%
HK$259,998
+HK$13,019/mo
Deposit HK$46.18M · loan HK$46.18M · min. income ≈ HK$493,958/mo (50% DSR)
Upfront cash ≈ HK$50.11M (deposit + AVD stamp duty HK$3,925,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,752
−HK$15,849/mo
▼ 0.25% · 3.875%
HK$260,614
−HK$7,987/mo
Today · 4.125%
HK$268,601
baseline
▲ 0.50% · 4.625%
HK$284,945
+HK$16,344/mo
Deposit HK$36.95M · loan HK$55.42M · min. income ≈ HK$537,202/mo (50% DSR)
Upfront cash ≈ HK$40.87M (deposit + AVD stamp duty HK$3,925,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,184
−HK$15,191/mo
▼ 0.25% · 3.875%
HK$288,725
−HK$7,650/mo
Today · 4.125%
HK$296,375
baseline
▲ 0.50% · 4.625%
HK$311,998
+HK$15,623/mo
Deposit HK$36.95M · loan HK$55.42M · min. income ≈ HK$592,750/mo (50% DSR)
Upfront cash ≈ HK$40.87M (deposit + AVD stamp duty HK$3,925,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,877
−HK$18,491/mo
▼ 0.25% · 3.875%
HK$304,049
−HK$9,319/mo
Today · 4.125%
HK$313,368
baseline
▲ 0.50% · 4.625%
HK$332,436
+HK$19,068/mo
Deposit HK$27.71M · loan HK$64.66M · min. income ≈ HK$626,736/mo (50% DSR)
Upfront cash ≈ HK$31.64M (deposit + AVD stamp duty HK$3,925,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,048
−HK$17,723/mo
▼ 0.25% · 3.875%
HK$336,846
−HK$8,925/mo
Today · 4.125%
HK$345,771
baseline
▲ 0.50% · 4.625%
HK$363,997
+HK$18,226/mo
Deposit HK$27.71M · loan HK$64.66M · min. income ≈ HK$691,542/mo (50% DSR)
Upfront cash ≈ HK$31.64M (deposit + AVD stamp duty HK$3,925,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$379,128
−HK$23,774/mo
▼ 0.25% · 3.875%
HK$390,921
−HK$11,981/mo
Today · 4.125%
HK$402,902
baseline
▲ 0.50% · 4.625%
HK$427,418
+HK$24,516/mo
Deposit HK$9.24M · loan HK$83.13M · min. income ≈ HK$805,804/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$3,925,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$421,776
−HK$22,787/mo
▼ 0.25% · 3.875%
HK$433,087
−HK$11,476/mo
Today · 4.125%
HK$444,563
baseline
▲ 0.50% · 4.625%
HK$467,996
+HK$23,433/mo
Deposit HK$9.24M · loan HK$83.13M · min. income ≈ HK$889,126/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$3,925,709 · Scale 2, in force from 26 Feb 2026)