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$203,566
−HK$12,766/mo
▼ 0.25% · 3.875%
HK$209,898
−HK$6,434/mo
Today · 4.125%
HK$216,332
baseline
▲ 0.50% · 4.625%
HK$229,495
+HK$13,163/mo
Deposit HK$44.64M · loan HK$44.64M · min. income ≈ HK$432,664/mo (50% DSR)
Upfront cash ≈ HK$48.43M (deposit + AVD stamp duty HK$3,794,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,465
−HK$12,236/mo
▼ 0.25% · 3.875%
HK$232,539
−HK$6,162/mo
Today · 4.125%
HK$238,701
baseline
▲ 0.50% · 4.625%
HK$251,283
+HK$12,582/mo
Deposit HK$44.64M · loan HK$44.64M · min. income ≈ HK$477,402/mo (50% DSR)
Upfront cash ≈ HK$48.43M (deposit + AVD stamp duty HK$3,794,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,279
−HK$15,319/mo
▼ 0.25% · 3.875%
HK$251,878
−HK$7,720/mo
Today · 4.125%
HK$259,598
baseline
▲ 0.50% · 4.625%
HK$275,394
+HK$15,796/mo
Deposit HK$35.71M · loan HK$53.56M · min. income ≈ HK$519,196/mo (50% DSR)
Upfront cash ≈ HK$39.50M (deposit + AVD stamp duty HK$3,794,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,758
−HK$14,683/mo
▼ 0.25% · 3.875%
HK$279,047
−HK$7,394/mo
Today · 4.125%
HK$286,441
baseline
▲ 0.50% · 4.625%
HK$301,539
+HK$15,098/mo
Deposit HK$35.71M · loan HK$53.56M · min. income ≈ HK$572,882/mo (50% DSR)
Upfront cash ≈ HK$39.50M (deposit + AVD stamp duty HK$3,794,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,993
−HK$17,871/mo
▼ 0.25% · 3.875%
HK$293,858
−HK$9,006/mo
Today · 4.125%
HK$302,864
baseline
▲ 0.50% · 4.625%
HK$321,293
+HK$18,429/mo
Deposit HK$26.78M · loan HK$62.49M · min. income ≈ HK$605,728/mo (50% DSR)
Upfront cash ≈ HK$30.58M (deposit + AVD stamp duty HK$3,794,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,052
−HK$17,129/mo
▼ 0.25% · 3.875%
HK$325,555
−HK$8,626/mo
Today · 4.125%
HK$334,181
baseline
▲ 0.50% · 4.625%
HK$351,796
+HK$17,615/mo
Deposit HK$26.78M · loan HK$62.49M · min. income ≈ HK$668,362/mo (50% DSR)
Upfront cash ≈ HK$30.58M (deposit + AVD stamp duty HK$3,794,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$366,419
−HK$22,978/mo
▼ 0.25% · 3.875%
HK$377,817
−HK$11,580/mo
Today · 4.125%
HK$389,397
baseline
▲ 0.50% · 4.625%
HK$413,091
+HK$23,694/mo
Deposit HK$8.93M · loan HK$80.35M · min. income ≈ HK$778,794/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$3,794,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$407,638
−HK$22,023/mo
▼ 0.25% · 3.875%
HK$418,570
−HK$11,091/mo
Today · 4.125%
HK$429,661
baseline
▲ 0.50% · 4.625%
HK$452,309
+HK$22,648/mo
Deposit HK$8.93M · loan HK$80.35M · min. income ≈ HK$859,322/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$3,794,120 · Scale 2, in force from 26 Feb 2026)