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$209,775
−HK$13,154/mo
▼ 0.25% · 3.875%
HK$216,300
−HK$6,629/mo
Today · 4.125%
HK$222,929
baseline
▲ 0.50% · 4.625%
HK$236,494
+HK$13,565/mo
Deposit HK$46.00M · loan HK$46.00M · min. income ≈ HK$445,858/mo (50% DSR)
Upfront cash ≈ HK$49.91M (deposit + AVD stamp duty HK$3,909,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,372
−HK$12,609/mo
▼ 0.25% · 3.875%
HK$239,631
−HK$6,350/mo
Today · 4.125%
HK$245,981
baseline
▲ 0.50% · 4.625%
HK$258,947
+HK$12,966/mo
Deposit HK$46.00M · loan HK$46.00M · min. income ≈ HK$491,962/mo (50% DSR)
Upfront cash ≈ HK$49.91M (deposit + AVD stamp duty HK$3,909,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,730
−HK$15,785/mo
▼ 0.25% · 3.875%
HK$259,560
−HK$7,955/mo
Today · 4.125%
HK$267,515
baseline
▲ 0.50% · 4.625%
HK$283,793
+HK$16,278/mo
Deposit HK$36.80M · loan HK$55.20M · min. income ≈ HK$535,030/mo (50% DSR)
Upfront cash ≈ HK$40.71M (deposit + AVD stamp duty HK$3,909,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,047
−HK$15,130/mo
▼ 0.25% · 3.875%
HK$287,557
−HK$7,620/mo
Today · 4.125%
HK$295,177
baseline
▲ 0.50% · 4.625%
HK$310,736
+HK$15,559/mo
Deposit HK$36.80M · loan HK$55.20M · min. income ≈ HK$590,354/mo (50% DSR)
Upfront cash ≈ HK$40.71M (deposit + AVD stamp duty HK$3,909,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,685
−HK$18,416/mo
▼ 0.25% · 3.875%
HK$302,820
−HK$9,281/mo
Today · 4.125%
HK$312,101
baseline
▲ 0.50% · 4.625%
HK$331,092
+HK$18,991/mo
Deposit HK$27.60M · loan HK$64.40M · min. income ≈ HK$624,202/mo (50% DSR)
Upfront cash ≈ HK$31.51M (deposit + AVD stamp duty HK$3,909,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$326,721
−HK$17,652/mo
▼ 0.25% · 3.875%
HK$335,484
−HK$8,889/mo
Today · 4.125%
HK$344,373
baseline
▲ 0.50% · 4.625%
HK$362,525
+HK$18,152/mo
Deposit HK$27.60M · loan HK$64.40M · min. income ≈ HK$688,746/mo (50% DSR)
Upfront cash ≈ HK$31.51M (deposit + AVD stamp duty HK$3,909,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$377,595
−HK$23,678/mo
▼ 0.25% · 3.875%
HK$389,340
−HK$11,933/mo
Today · 4.125%
HK$401,273
baseline
▲ 0.50% · 4.625%
HK$425,690
+HK$24,417/mo
Deposit HK$9.20M · loan HK$82.80M · min. income ≈ HK$802,546/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$3,909,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$420,070
−HK$22,695/mo
▼ 0.25% · 3.875%
HK$431,336
−HK$11,429/mo
Today · 4.125%
HK$442,765
baseline
▲ 0.50% · 4.625%
HK$466,104
+HK$23,339/mo
Deposit HK$9.20M · loan HK$82.80M · min. income ≈ HK$885,530/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$3,909,835 · Scale 2, in force from 26 Feb 2026)