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$207,891
−HK$13,036/mo
▼ 0.25% · 3.875%
HK$214,357
−HK$6,570/mo
Today · 4.125%
HK$220,927
baseline
▲ 0.50% · 4.625%
HK$234,370
+HK$13,443/mo
Deposit HK$45.58M · loan HK$45.58M · min. income ≈ HK$441,854/mo (50% DSR)
Upfront cash ≈ HK$49.46M (deposit + AVD stamp duty HK$3,874,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,277
−HK$12,495/mo
▼ 0.25% · 3.875%
HK$237,479
−HK$6,293/mo
Today · 4.125%
HK$243,772
baseline
▲ 0.50% · 4.625%
HK$256,621
+HK$12,849/mo
Deposit HK$45.58M · loan HK$45.58M · min. income ≈ HK$487,544/mo (50% DSR)
Upfront cash ≈ HK$49.46M (deposit + AVD stamp duty HK$3,874,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,469
−HK$15,644/mo
▼ 0.25% · 3.875%
HK$257,229
−HK$7,884/mo
Today · 4.125%
HK$265,113
baseline
▲ 0.50% · 4.625%
HK$281,244
+HK$16,131/mo
Deposit HK$36.47M · loan HK$54.70M · min. income ≈ HK$530,226/mo (50% DSR)
Upfront cash ≈ HK$40.34M (deposit + AVD stamp duty HK$3,874,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,532
−HK$14,994/mo
▼ 0.25% · 3.875%
HK$284,975
−HK$7,551/mo
Today · 4.125%
HK$292,526
baseline
▲ 0.50% · 4.625%
HK$307,945
+HK$15,419/mo
Deposit HK$36.47M · loan HK$54.70M · min. income ≈ HK$585,052/mo (50% DSR)
Upfront cash ≈ HK$40.34M (deposit + AVD stamp duty HK$3,874,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,047
−HK$18,251/mo
▼ 0.25% · 3.875%
HK$300,100
−HK$9,198/mo
Today · 4.125%
HK$309,298
baseline
▲ 0.50% · 4.625%
HK$328,119
+HK$18,821/mo
Deposit HK$27.35M · loan HK$63.82M · min. income ≈ HK$618,596/mo (50% DSR)
Upfront cash ≈ HK$31.23M (deposit + AVD stamp duty HK$3,874,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,787
−HK$17,493/mo
▼ 0.25% · 3.875%
HK$332,471
−HK$8,809/mo
Today · 4.125%
HK$341,280
baseline
▲ 0.50% · 4.625%
HK$359,270
+HK$17,990/mo
Deposit HK$27.35M · loan HK$63.82M · min. income ≈ HK$682,560/mo (50% DSR)
Upfront cash ≈ HK$31.23M (deposit + AVD stamp duty HK$3,874,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$374,204
−HK$23,465/mo
▼ 0.25% · 3.875%
HK$385,843
−HK$11,826/mo
Today · 4.125%
HK$397,669
baseline
▲ 0.50% · 4.625%
HK$421,867
+HK$24,198/mo
Deposit HK$9.12M · loan HK$82.05M · min. income ≈ HK$795,338/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$3,874,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$416,298
−HK$22,491/mo
▼ 0.25% · 3.875%
HK$427,463
−HK$11,326/mo
Today · 4.125%
HK$438,789
baseline
▲ 0.50% · 4.625%
HK$461,918
+HK$23,129/mo
Deposit HK$9.12M · loan HK$82.05M · min. income ≈ HK$877,578/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$3,874,723 · Scale 2, in force from 26 Feb 2026)