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$204,779
−HK$12,841/mo
▼ 0.25% · 3.875%
HK$211,149
−HK$6,471/mo
Today · 4.125%
HK$217,620
baseline
▲ 0.50% · 4.625%
HK$230,862
+HK$13,242/mo
Deposit HK$44.90M · loan HK$44.90M · min. income ≈ HK$435,240/mo (50% DSR)
Upfront cash ≈ HK$48.72M (deposit + AVD stamp duty HK$3,816,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,815
−HK$12,308/mo
▼ 0.25% · 3.875%
HK$233,924
−HK$6,199/mo
Today · 4.125%
HK$240,123
baseline
▲ 0.50% · 4.625%
HK$252,780
+HK$12,657/mo
Deposit HK$44.90M · loan HK$44.90M · min. income ≈ HK$480,246/mo (50% DSR)
Upfront cash ≈ HK$48.72M (deposit + AVD stamp duty HK$3,816,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,735
−HK$15,410/mo
▼ 0.25% · 3.875%
HK$253,379
−HK$7,766/mo
Today · 4.125%
HK$261,145
baseline
▲ 0.50% · 4.625%
HK$277,035
+HK$15,890/mo
Deposit HK$35.92M · loan HK$53.88M · min. income ≈ HK$522,290/mo (50% DSR)
Upfront cash ≈ HK$39.74M (deposit + AVD stamp duty HK$3,816,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,378
−HK$14,769/mo
▼ 0.25% · 3.875%
HK$280,709
−HK$7,438/mo
Today · 4.125%
HK$288,147
baseline
▲ 0.50% · 4.625%
HK$303,336
+HK$15,189/mo
Deposit HK$35.92M · loan HK$53.88M · min. income ≈ HK$576,294/mo (50% DSR)
Upfront cash ≈ HK$39.74M (deposit + AVD stamp duty HK$3,816,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,691
−HK$17,978/mo
▼ 0.25% · 3.875%
HK$295,608
−HK$9,061/mo
Today · 4.125%
HK$304,669
baseline
▲ 0.50% · 4.625%
HK$323,207
+HK$18,538/mo
Deposit HK$26.94M · loan HK$62.86M · min. income ≈ HK$609,338/mo (50% DSR)
Upfront cash ≈ HK$30.76M (deposit + AVD stamp duty HK$3,816,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,940
−HK$17,232/mo
▼ 0.25% · 3.875%
HK$327,494
−HK$8,678/mo
Today · 4.125%
HK$336,172
baseline
▲ 0.50% · 4.625%
HK$353,892
+HK$17,720/mo
Deposit HK$26.94M · loan HK$62.86M · min. income ≈ HK$672,344/mo (50% DSR)
Upfront cash ≈ HK$30.76M (deposit + AVD stamp duty HK$3,816,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$368,602
−HK$23,115/mo
▼ 0.25% · 3.875%
HK$380,068
−HK$11,649/mo
Today · 4.125%
HK$391,717
baseline
▲ 0.50% · 4.625%
HK$415,552
+HK$23,835/mo
Deposit HK$8.98M · loan HK$80.82M · min. income ≈ HK$783,434/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$3,816,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$410,066
−HK$22,155/mo
▼ 0.25% · 3.875%
HK$421,064
−HK$11,157/mo
Today · 4.125%
HK$432,221
baseline
▲ 0.50% · 4.625%
HK$455,004
+HK$22,783/mo
Deposit HK$8.98M · loan HK$80.82M · min. income ≈ HK$864,442/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$3,816,724 · Scale 2, in force from 26 Feb 2026)