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$209,306
−HK$13,125/mo
▼ 0.25% · 3.875%
HK$215,816
−HK$6,615/mo
Today · 4.125%
HK$222,431
baseline
▲ 0.50% · 4.625%
HK$235,965
+HK$13,534/mo
Deposit HK$45.90M · loan HK$45.90M · min. income ≈ HK$444,862/mo (50% DSR)
Upfront cash ≈ HK$49.80M (deposit + AVD stamp duty HK$3,901,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,850
−HK$12,581/mo
▼ 0.25% · 3.875%
HK$239,095
−HK$6,336/mo
Today · 4.125%
HK$245,431
baseline
▲ 0.50% · 4.625%
HK$258,368
+HK$12,937/mo
Deposit HK$45.90M · loan HK$45.90M · min. income ≈ HK$490,862/mo (50% DSR)
Upfront cash ≈ HK$49.80M (deposit + AVD stamp duty HK$3,901,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,167
−HK$15,750/mo
▼ 0.25% · 3.875%
HK$258,979
−HK$7,938/mo
Today · 4.125%
HK$266,917
baseline
▲ 0.50% · 4.625%
HK$283,158
+HK$16,241/mo
Deposit HK$36.72M · loan HK$55.07M · min. income ≈ HK$533,834/mo (50% DSR)
Upfront cash ≈ HK$40.62M (deposit + AVD stamp duty HK$3,901,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,420
−HK$15,097/mo
▼ 0.25% · 3.875%
HK$286,914
−HK$7,603/mo
Today · 4.125%
HK$294,517
baseline
▲ 0.50% · 4.625%
HK$310,041
+HK$15,524/mo
Deposit HK$36.72M · loan HK$55.07M · min. income ≈ HK$589,034/mo (50% DSR)
Upfront cash ≈ HK$40.62M (deposit + AVD stamp duty HK$3,901,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,028
−HK$18,375/mo
▼ 0.25% · 3.875%
HK$302,143
−HK$9,260/mo
Today · 4.125%
HK$311,403
baseline
▲ 0.50% · 4.625%
HK$330,351
+HK$18,948/mo
Deposit HK$27.54M · loan HK$64.25M · min. income ≈ HK$622,806/mo (50% DSR)
Upfront cash ≈ HK$31.44M (deposit + AVD stamp duty HK$3,901,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$325,991
−HK$17,612/mo
▼ 0.25% · 3.875%
HK$334,733
−HK$8,870/mo
Today · 4.125%
HK$343,603
baseline
▲ 0.50% · 4.625%
HK$361,715
+HK$18,112/mo
Deposit HK$27.54M · loan HK$64.25M · min. income ≈ HK$687,206/mo (50% DSR)
Upfront cash ≈ HK$31.44M (deposit + AVD stamp duty HK$3,901,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$376,750
−HK$23,626/mo
▼ 0.25% · 3.875%
HK$388,469
−HK$11,907/mo
Today · 4.125%
HK$400,376
baseline
▲ 0.50% · 4.625%
HK$424,738
+HK$24,362/mo
Deposit HK$9.18M · loan HK$82.61M · min. income ≈ HK$800,752/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$3,901,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$419,131
−HK$22,644/mo
▼ 0.25% · 3.875%
HK$430,372
−HK$11,403/mo
Today · 4.125%
HK$441,775
baseline
▲ 0.50% · 4.625%
HK$465,062
+HK$23,287/mo
Deposit HK$9.18M · loan HK$82.61M · min. income ≈ HK$883,550/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$3,901,091 · Scale 2, in force from 26 Feb 2026)