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$181,789
−HK$11,400/mo
▼ 0.25% · 3.875%
HK$187,444
−HK$5,745/mo
Today · 4.125%
HK$193,189
baseline
▲ 0.50% · 4.625%
HK$204,944
+HK$11,755/mo
Deposit HK$39.86M · loan HK$39.86M · min. income ≈ HK$386,378/mo (50% DSR)
Upfront cash ≈ HK$43.25M (deposit + AVD stamp duty HK$3,388,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,238
−HK$10,927/mo
▼ 0.25% · 3.875%
HK$207,662
−HK$5,503/mo
Today · 4.125%
HK$213,165
baseline
▲ 0.50% · 4.625%
HK$224,401
+HK$11,236/mo
Deposit HK$39.86M · loan HK$39.86M · min. income ≈ HK$426,330/mo (50% DSR)
Upfront cash ≈ HK$43.25M (deposit + AVD stamp duty HK$3,388,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,147
−HK$13,680/mo
▼ 0.25% · 3.875%
HK$224,932
−HK$6,895/mo
Today · 4.125%
HK$231,827
baseline
▲ 0.50% · 4.625%
HK$245,933
+HK$14,106/mo
Deposit HK$31.89M · loan HK$47.83M · min. income ≈ HK$463,654/mo (50% DSR)
Upfront cash ≈ HK$35.28M (deposit + AVD stamp duty HK$3,388,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,686
−HK$13,112/mo
▼ 0.25% · 3.875%
HK$249,195
−HK$6,603/mo
Today · 4.125%
HK$255,798
baseline
▲ 0.50% · 4.625%
HK$269,281
+HK$13,483/mo
Deposit HK$31.89M · loan HK$47.83M · min. income ≈ HK$511,596/mo (50% DSR)
Upfront cash ≈ HK$35.28M (deposit + AVD stamp duty HK$3,388,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,505
−HK$15,959/mo
▼ 0.25% · 3.875%
HK$262,421
−HK$8,043/mo
Today · 4.125%
HK$270,464
baseline
▲ 0.50% · 4.625%
HK$286,921
+HK$16,457/mo
Deposit HK$23.92M · loan HK$55.81M · min. income ≈ HK$540,928/mo (50% DSR)
Upfront cash ≈ HK$27.31M (deposit + AVD stamp duty HK$3,388,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,134
−HK$15,297/mo
▼ 0.25% · 3.875%
HK$290,727
−HK$7,704/mo
Today · 4.125%
HK$298,431
baseline
▲ 0.50% · 4.625%
HK$314,161
+HK$15,730/mo
Deposit HK$23.92M · loan HK$55.81M · min. income ≈ HK$596,862/mo (50% DSR)
Upfront cash ≈ HK$27.31M (deposit + AVD stamp duty HK$3,388,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$327,220
−HK$20,520/mo
▼ 0.25% · 3.875%
HK$337,399
−HK$10,341/mo
Today · 4.125%
HK$347,740
baseline
▲ 0.50% · 4.625%
HK$368,899
+HK$21,159/mo
Deposit HK$7.97M · loan HK$71.75M · min. income ≈ HK$695,480/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$3,388,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$364,029
−HK$19,668/mo
▼ 0.25% · 3.875%
HK$373,792
−HK$9,905/mo
Today · 4.125%
HK$383,697
baseline
▲ 0.50% · 4.625%
HK$403,922
+HK$20,225/mo
Deposit HK$7.97M · loan HK$71.75M · min. income ≈ HK$767,394/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$3,388,230 · Scale 2, in force from 26 Feb 2026)