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$181,996
−HK$11,413/mo
▼ 0.25% · 3.875%
HK$187,657
−HK$5,752/mo
Today · 4.125%
HK$193,409
baseline
▲ 0.50% · 4.625%
HK$205,177
+HK$11,768/mo
Deposit HK$39.91M · loan HK$39.91M · min. income ≈ HK$386,818/mo (50% DSR)
Upfront cash ≈ HK$43.30M (deposit + AVD stamp duty HK$3,392,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,469
−HK$10,938/mo
▼ 0.25% · 3.875%
HK$207,899
−HK$5,508/mo
Today · 4.125%
HK$213,407
baseline
▲ 0.50% · 4.625%
HK$224,656
+HK$11,249/mo
Deposit HK$39.91M · loan HK$39.91M · min. income ≈ HK$426,814/mo (50% DSR)
Upfront cash ≈ HK$43.30M (deposit + AVD stamp duty HK$3,392,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,395
−HK$13,695/mo
▼ 0.25% · 3.875%
HK$225,188
−HK$6,902/mo
Today · 4.125%
HK$232,090
baseline
▲ 0.50% · 4.625%
HK$246,213
+HK$14,123/mo
Deposit HK$31.93M · loan HK$47.89M · min. income ≈ HK$464,180/mo (50% DSR)
Upfront cash ≈ HK$35.32M (deposit + AVD stamp duty HK$3,392,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,962
−HK$13,127/mo
▼ 0.25% · 3.875%
HK$249,478
−HK$6,611/mo
Today · 4.125%
HK$256,089
baseline
▲ 0.50% · 4.625%
HK$269,588
+HK$13,499/mo
Deposit HK$31.93M · loan HK$47.89M · min. income ≈ HK$512,178/mo (50% DSR)
Upfront cash ≈ HK$35.32M (deposit + AVD stamp duty HK$3,392,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,794
−HK$15,978/mo
▼ 0.25% · 3.875%
HK$262,720
−HK$8,052/mo
Today · 4.125%
HK$270,772
baseline
▲ 0.50% · 4.625%
HK$287,248
+HK$16,476/mo
Deposit HK$23.94M · loan HK$55.87M · min. income ≈ HK$541,544/mo (50% DSR)
Upfront cash ≈ HK$27.34M (deposit + AVD stamp duty HK$3,392,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,456
−HK$15,314/mo
▼ 0.25% · 3.875%
HK$291,058
−HK$7,712/mo
Today · 4.125%
HK$298,770
baseline
▲ 0.50% · 4.625%
HK$314,519
+HK$15,749/mo
Deposit HK$23.94M · loan HK$55.87M · min. income ≈ HK$597,540/mo (50% DSR)
Upfront cash ≈ HK$27.34M (deposit + AVD stamp duty HK$3,392,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$327,593
−HK$20,543/mo
▼ 0.25% · 3.875%
HK$337,783
−HK$10,353/mo
Today · 4.125%
HK$348,136
baseline
▲ 0.50% · 4.625%
HK$369,319
+HK$21,183/mo
Deposit HK$7.98M · loan HK$71.83M · min. income ≈ HK$696,272/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$3,392,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$364,443
−HK$19,690/mo
▼ 0.25% · 3.875%
HK$374,218
−HK$9,915/mo
Today · 4.125%
HK$384,133
baseline
▲ 0.50% · 4.625%
HK$404,381
+HK$20,248/mo
Deposit HK$7.98M · loan HK$71.83M · min. income ≈ HK$768,266/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$3,392,086 · Scale 2, in force from 26 Feb 2026)