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$212,013
−HK$13,296/mo
▼ 0.25% · 3.875%
HK$218,608
−HK$6,701/mo
Today · 4.125%
HK$225,309
baseline
▲ 0.50% · 4.625%
HK$239,018
+HK$13,709/mo
Deposit HK$46.49M · loan HK$46.49M · min. income ≈ HK$450,618/mo (50% DSR)
Upfront cash ≈ HK$50.44M (deposit + AVD stamp duty HK$3,951,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,863
−HK$12,743/mo
▼ 0.25% · 3.875%
HK$242,189
−HK$6,417/mo
Today · 4.125%
HK$248,606
baseline
▲ 0.50% · 4.625%
HK$261,710
+HK$13,104/mo
Deposit HK$46.49M · loan HK$46.49M · min. income ≈ HK$497,212/mo (50% DSR)
Upfront cash ≈ HK$50.44M (deposit + AVD stamp duty HK$3,951,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,416
−HK$15,954/mo
▼ 0.25% · 3.875%
HK$262,330
−HK$8,040/mo
Today · 4.125%
HK$270,370
baseline
▲ 0.50% · 4.625%
HK$286,822
+HK$16,452/mo
Deposit HK$37.19M · loan HK$55.79M · min. income ≈ HK$540,740/mo (50% DSR)
Upfront cash ≈ HK$41.14M (deposit + AVD stamp duty HK$3,951,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,035
−HK$15,292/mo
▼ 0.25% · 3.875%
HK$290,626
−HK$7,701/mo
Today · 4.125%
HK$298,327
baseline
▲ 0.50% · 4.625%
HK$314,052
+HK$15,725/mo
Deposit HK$37.19M · loan HK$55.79M · min. income ≈ HK$596,654/mo (50% DSR)
Upfront cash ≈ HK$41.14M (deposit + AVD stamp duty HK$3,951,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,819
−HK$18,613/mo
▼ 0.25% · 3.875%
HK$306,052
−HK$9,380/mo
Today · 4.125%
HK$315,432
baseline
▲ 0.50% · 4.625%
HK$334,625
+HK$19,193/mo
Deposit HK$27.89M · loan HK$65.08M · min. income ≈ HK$630,864/mo (50% DSR)
Upfront cash ≈ HK$31.84M (deposit + AVD stamp duty HK$3,951,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$330,208
−HK$17,840/mo
▼ 0.25% · 3.875%
HK$339,064
−HK$8,984/mo
Today · 4.125%
HK$348,048
baseline
▲ 0.50% · 4.625%
HK$366,394
+HK$18,346/mo
Deposit HK$27.89M · loan HK$65.08M · min. income ≈ HK$696,096/mo (50% DSR)
Upfront cash ≈ HK$31.84M (deposit + AVD stamp duty HK$3,951,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$381,624
−HK$23,931/mo
▼ 0.25% · 3.875%
HK$393,495
−HK$12,060/mo
Today · 4.125%
HK$405,555
baseline
▲ 0.50% · 4.625%
HK$430,232
+HK$24,677/mo
Deposit HK$9.30M · loan HK$83.68M · min. income ≈ HK$811,110/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$3,951,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$424,553
−HK$22,937/mo
▼ 0.25% · 3.875%
HK$435,939
−HK$11,551/mo
Today · 4.125%
HK$447,490
baseline
▲ 0.50% · 4.625%
HK$471,078
+HK$23,588/mo
Deposit HK$9.30M · loan HK$83.68M · min. income ≈ HK$894,980/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$3,951,561 · Scale 2, in force from 26 Feb 2026)