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$181,940
−HK$11,409/mo
▼ 0.25% · 3.875%
HK$187,599
−HK$5,750/mo
Today · 4.125%
HK$193,349
baseline
▲ 0.50% · 4.625%
HK$205,114
+HK$11,765/mo
Deposit HK$39.89M · loan HK$39.89M · min. income ≈ HK$386,698/mo (50% DSR)
Upfront cash ≈ HK$43.29M (deposit + AVD stamp duty HK$3,391,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,406
−HK$10,936/mo
▼ 0.25% · 3.875%
HK$207,835
−HK$5,507/mo
Today · 4.125%
HK$213,342
baseline
▲ 0.50% · 4.625%
HK$224,587
+HK$11,245/mo
Deposit HK$39.89M · loan HK$39.89M · min. income ≈ HK$426,684/mo (50% DSR)
Upfront cash ≈ HK$43.29M (deposit + AVD stamp duty HK$3,391,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,328
−HK$13,691/mo
▼ 0.25% · 3.875%
HK$225,119
−HK$6,900/mo
Today · 4.125%
HK$232,019
baseline
▲ 0.50% · 4.625%
HK$246,137
+HK$14,118/mo
Deposit HK$31.92M · loan HK$47.87M · min. income ≈ HK$464,038/mo (50% DSR)
Upfront cash ≈ HK$35.31M (deposit + AVD stamp duty HK$3,391,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,887
−HK$13,123/mo
▼ 0.25% · 3.875%
HK$249,402
−HK$6,608/mo
Today · 4.125%
HK$256,010
baseline
▲ 0.50% · 4.625%
HK$269,505
+HK$13,495/mo
Deposit HK$31.92M · loan HK$47.87M · min. income ≈ HK$512,020/mo (50% DSR)
Upfront cash ≈ HK$35.31M (deposit + AVD stamp duty HK$3,391,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,716
−HK$15,973/mo
▼ 0.25% · 3.875%
HK$262,639
−HK$8,050/mo
Today · 4.125%
HK$270,689
baseline
▲ 0.50% · 4.625%
HK$287,159
+HK$16,470/mo
Deposit HK$23.94M · loan HK$55.85M · min. income ≈ HK$541,378/mo (50% DSR)
Upfront cash ≈ HK$27.33M (deposit + AVD stamp duty HK$3,391,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,369
−HK$15,309/mo
▼ 0.25% · 3.875%
HK$290,968
−HK$7,710/mo
Today · 4.125%
HK$298,678
baseline
▲ 0.50% · 4.625%
HK$314,422
+HK$15,744/mo
Deposit HK$23.94M · loan HK$55.85M · min. income ≈ HK$597,356/mo (50% DSR)
Upfront cash ≈ HK$27.33M (deposit + AVD stamp duty HK$3,391,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$327,492
−HK$20,536/mo
▼ 0.25% · 3.875%
HK$337,678
−HK$10,350/mo
Today · 4.125%
HK$348,028
baseline
▲ 0.50% · 4.625%
HK$369,205
+HK$21,177/mo
Deposit HK$7.98M · loan HK$71.81M · min. income ≈ HK$696,056/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$3,391,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$364,331
−HK$19,684/mo
▼ 0.25% · 3.875%
HK$374,102
−HK$9,913/mo
Today · 4.125%
HK$384,015
baseline
▲ 0.50% · 4.625%
HK$404,257
+HK$20,242/mo
Deposit HK$7.98M · loan HK$71.81M · min. income ≈ HK$768,030/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$3,391,040 · Scale 2, in force from 26 Feb 2026)