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$210,332
−HK$13,189/mo
▼ 0.25% · 3.875%
HK$216,874
−HK$6,647/mo
Today · 4.125%
HK$223,521
baseline
▲ 0.50% · 4.625%
HK$237,122
+HK$13,601/mo
Deposit HK$46.12M · loan HK$46.12M · min. income ≈ HK$447,042/mo (50% DSR)
Upfront cash ≈ HK$50.04M (deposit + AVD stamp duty HK$3,920,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,992
−HK$12,642/mo
▼ 0.25% · 3.875%
HK$240,267
−HK$6,367/mo
Today · 4.125%
HK$246,634
baseline
▲ 0.50% · 4.625%
HK$259,634
+HK$13,000/mo
Deposit HK$46.12M · loan HK$46.12M · min. income ≈ HK$493,268/mo (50% DSR)
Upfront cash ≈ HK$50.04M (deposit + AVD stamp duty HK$3,920,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,398
−HK$15,828/mo
▼ 0.25% · 3.875%
HK$260,249
−HK$7,977/mo
Today · 4.125%
HK$268,226
baseline
▲ 0.50% · 4.625%
HK$284,546
+HK$16,320/mo
Deposit HK$36.90M · loan HK$55.34M · min. income ≈ HK$536,452/mo (50% DSR)
Upfront cash ≈ HK$40.82M (deposit + AVD stamp duty HK$3,920,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,790
−HK$15,170/mo
▼ 0.25% · 3.875%
HK$288,321
−HK$7,639/mo
Today · 4.125%
HK$295,960
baseline
▲ 0.50% · 4.625%
HK$311,561
+HK$15,601/mo
Deposit HK$36.90M · loan HK$55.34M · min. income ≈ HK$591,920/mo (50% DSR)
Upfront cash ≈ HK$40.82M (deposit + AVD stamp duty HK$3,920,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,464
−HK$18,466/mo
▼ 0.25% · 3.875%
HK$303,624
−HK$9,306/mo
Today · 4.125%
HK$312,930
baseline
▲ 0.50% · 4.625%
HK$331,971
+HK$19,041/mo
Deposit HK$27.67M · loan HK$64.57M · min. income ≈ HK$625,860/mo (50% DSR)
Upfront cash ≈ HK$31.59M (deposit + AVD stamp duty HK$3,920,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$327,589
−HK$17,698/mo
▼ 0.25% · 3.875%
HK$336,374
−HK$8,913/mo
Today · 4.125%
HK$345,287
baseline
▲ 0.50% · 4.625%
HK$363,488
+HK$18,201/mo
Deposit HK$27.67M · loan HK$64.57M · min. income ≈ HK$690,574/mo (50% DSR)
Upfront cash ≈ HK$31.59M (deposit + AVD stamp duty HK$3,920,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$378,597
−HK$23,741/mo
▼ 0.25% · 3.875%
HK$390,373
−HK$11,965/mo
Today · 4.125%
HK$402,338
baseline
▲ 0.50% · 4.625%
HK$426,820
+HK$24,482/mo
Deposit HK$9.22M · loan HK$83.02M · min. income ≈ HK$804,676/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$3,920,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$421,185
−HK$22,756/mo
▼ 0.25% · 3.875%
HK$432,481
−HK$11,460/mo
Today · 4.125%
HK$443,941
baseline
▲ 0.50% · 4.625%
HK$467,341
+HK$23,400/mo
Deposit HK$9.22M · loan HK$83.02M · min. income ≈ HK$887,882/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$3,920,215 · Scale 2, in force from 26 Feb 2026)