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$202,521
−HK$12,700/mo
▼ 0.25% · 3.875%
HK$208,821
−HK$6,400/mo
Today · 4.125%
HK$215,221
baseline
▲ 0.50% · 4.625%
HK$228,317
+HK$13,096/mo
Deposit HK$44.41M · loan HK$44.41M · min. income ≈ HK$430,442/mo (50% DSR)
Upfront cash ≈ HK$48.18M (deposit + AVD stamp duty HK$3,774,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,303
−HK$12,172/mo
▼ 0.25% · 3.875%
HK$231,345
−HK$6,130/mo
Today · 4.125%
HK$237,475
baseline
▲ 0.50% · 4.625%
HK$249,993
+HK$12,518/mo
Deposit HK$44.41M · loan HK$44.41M · min. income ≈ HK$474,950/mo (50% DSR)
Upfront cash ≈ HK$48.18M (deposit + AVD stamp duty HK$3,774,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,026
−HK$15,239/mo
▼ 0.25% · 3.875%
HK$250,585
−HK$7,680/mo
Today · 4.125%
HK$258,265
baseline
▲ 0.50% · 4.625%
HK$273,980
+HK$15,715/mo
Deposit HK$35.53M · loan HK$53.29M · min. income ≈ HK$516,530/mo (50% DSR)
Upfront cash ≈ HK$39.30M (deposit + AVD stamp duty HK$3,774,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,364
−HK$14,606/mo
▼ 0.25% · 3.875%
HK$277,615
−HK$7,355/mo
Today · 4.125%
HK$284,970
baseline
▲ 0.50% · 4.625%
HK$299,992
+HK$15,022/mo
Deposit HK$35.53M · loan HK$53.29M · min. income ≈ HK$569,940/mo (50% DSR)
Upfront cash ≈ HK$39.30M (deposit + AVD stamp duty HK$3,774,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,530
−HK$17,780/mo
▼ 0.25% · 3.875%
HK$292,349
−HK$8,961/mo
Today · 4.125%
HK$301,310
baseline
▲ 0.50% · 4.625%
HK$319,644
+HK$18,334/mo
Deposit HK$26.64M · loan HK$62.17M · min. income ≈ HK$602,620/mo (50% DSR)
Upfront cash ≈ HK$30.42M (deposit + AVD stamp duty HK$3,774,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$315,424
−HK$17,041/mo
▼ 0.25% · 3.875%
HK$323,884
−HK$8,581/mo
Today · 4.125%
HK$332,465
baseline
▲ 0.50% · 4.625%
HK$349,990
+HK$17,525/mo
Deposit HK$26.64M · loan HK$62.17M · min. income ≈ HK$664,930/mo (50% DSR)
Upfront cash ≈ HK$30.42M (deposit + AVD stamp duty HK$3,774,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$364,538
−HK$22,860/mo
▼ 0.25% · 3.875%
HK$375,878
−HK$11,520/mo
Today · 4.125%
HK$387,398
baseline
▲ 0.50% · 4.625%
HK$410,970
+HK$23,572/mo
Deposit HK$8.88M · loan HK$79.93M · min. income ≈ HK$774,796/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$3,774,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$405,545
−HK$21,911/mo
▼ 0.25% · 3.875%
HK$416,422
−HK$11,034/mo
Today · 4.125%
HK$427,456
baseline
▲ 0.50% · 4.625%
HK$449,987
+HK$22,531/mo
Deposit HK$8.88M · loan HK$79.93M · min. income ≈ HK$854,912/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$3,774,644 · Scale 2, in force from 26 Feb 2026)