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$184,008
−HK$11,539/mo
▼ 0.25% · 3.875%
HK$189,732
−HK$5,815/mo
Today · 4.125%
HK$195,547
baseline
▲ 0.50% · 4.625%
HK$207,446
+HK$11,899/mo
Deposit HK$40.35M · loan HK$40.35M · min. income ≈ HK$391,094/mo (50% DSR)
Upfront cash ≈ HK$43.78M (deposit + AVD stamp duty HK$3,429,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,708
−HK$11,059/mo
▼ 0.25% · 3.875%
HK$210,198
−HK$5,569/mo
Today · 4.125%
HK$215,767
baseline
▲ 0.50% · 4.625%
HK$227,141
+HK$11,374/mo
Deposit HK$40.35M · loan HK$40.35M · min. income ≈ HK$431,534/mo (50% DSR)
Upfront cash ≈ HK$43.78M (deposit + AVD stamp duty HK$3,429,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,810
−HK$13,847/mo
▼ 0.25% · 3.875%
HK$227,679
−HK$6,978/mo
Today · 4.125%
HK$234,657
baseline
▲ 0.50% · 4.625%
HK$248,935
+HK$14,278/mo
Deposit HK$32.28M · loan HK$48.42M · min. income ≈ HK$469,314/mo (50% DSR)
Upfront cash ≈ HK$35.71M (deposit + AVD stamp duty HK$3,429,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,649
−HK$13,272/mo
▼ 0.25% · 3.875%
HK$252,237
−HK$6,684/mo
Today · 4.125%
HK$258,921
baseline
▲ 0.50% · 4.625%
HK$272,569
+HK$13,648/mo
Deposit HK$32.28M · loan HK$48.42M · min. income ≈ HK$517,842/mo (50% DSR)
Upfront cash ≈ HK$35.71M (deposit + AVD stamp duty HK$3,429,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,612
−HK$16,154/mo
▼ 0.25% · 3.875%
HK$265,625
−HK$8,141/mo
Today · 4.125%
HK$273,766
baseline
▲ 0.50% · 4.625%
HK$290,424
+HK$16,658/mo
Deposit HK$24.21M · loan HK$56.49M · min. income ≈ HK$547,532/mo (50% DSR)
Upfront cash ≈ HK$27.64M (deposit + AVD stamp duty HK$3,429,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,591
−HK$15,483/mo
▼ 0.25% · 3.875%
HK$294,277
−HK$7,797/mo
Today · 4.125%
HK$302,074
baseline
▲ 0.50% · 4.625%
HK$317,997
+HK$15,923/mo
Deposit HK$24.21M · loan HK$56.49M · min. income ≈ HK$604,148/mo (50% DSR)
Upfront cash ≈ HK$27.64M (deposit + AVD stamp duty HK$3,429,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$331,215
−HK$20,770/mo
▼ 0.25% · 3.875%
HK$341,518
−HK$10,467/mo
Today · 4.125%
HK$351,985
baseline
▲ 0.50% · 4.625%
HK$373,403
+HK$21,418/mo
Deposit HK$8.07M · loan HK$72.63M · min. income ≈ HK$703,970/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$3,429,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$368,474
−HK$19,907/mo
▼ 0.25% · 3.875%
HK$378,356
−HK$10,025/mo
Today · 4.125%
HK$388,381
baseline
▲ 0.50% · 4.625%
HK$408,853
+HK$20,472/mo
Deposit HK$8.07M · loan HK$72.63M · min. income ≈ HK$776,762/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$3,429,597 · Scale 2, in force from 26 Feb 2026)