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$201,745
−HK$12,651/mo
▼ 0.25% · 3.875%
HK$208,020
−HK$6,376/mo
Today · 4.125%
HK$214,396
baseline
▲ 0.50% · 4.625%
HK$227,441
+HK$13,045/mo
Deposit HK$44.24M · loan HK$44.24M · min. income ≈ HK$428,792/mo (50% DSR)
Upfront cash ≈ HK$48.00M (deposit + AVD stamp duty HK$3,760,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,439
−HK$12,126/mo
▼ 0.25% · 3.875%
HK$230,458
−HK$6,107/mo
Today · 4.125%
HK$236,565
baseline
▲ 0.50% · 4.625%
HK$249,034
+HK$12,469/mo
Deposit HK$44.24M · loan HK$44.24M · min. income ≈ HK$473,130/mo (50% DSR)
Upfront cash ≈ HK$48.00M (deposit + AVD stamp duty HK$3,760,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,094
−HK$15,181/mo
▼ 0.25% · 3.875%
HK$249,624
−HK$7,651/mo
Today · 4.125%
HK$257,275
baseline
▲ 0.50% · 4.625%
HK$272,930
+HK$15,655/mo
Deposit HK$35.39M · loan HK$53.08M · min. income ≈ HK$514,550/mo (50% DSR)
Upfront cash ≈ HK$39.15M (deposit + AVD stamp duty HK$3,760,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,327
−HK$14,551/mo
▼ 0.25% · 3.875%
HK$276,550
−HK$7,328/mo
Today · 4.125%
HK$283,878
baseline
▲ 0.50% · 4.625%
HK$298,841
+HK$14,963/mo
Deposit HK$35.39M · loan HK$53.08M · min. income ≈ HK$567,756/mo (50% DSR)
Upfront cash ≈ HK$39.15M (deposit + AVD stamp duty HK$3,760,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,443
−HK$17,711/mo
▼ 0.25% · 3.875%
HK$291,228
−HK$8,926/mo
Today · 4.125%
HK$300,154
baseline
▲ 0.50% · 4.625%
HK$318,418
+HK$18,264/mo
Deposit HK$26.54M · loan HK$61.93M · min. income ≈ HK$600,308/mo (50% DSR)
Upfront cash ≈ HK$30.30M (deposit + AVD stamp duty HK$3,760,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$314,215
−HK$16,976/mo
▼ 0.25% · 3.875%
HK$322,642
−HK$8,549/mo
Today · 4.125%
HK$331,191
baseline
▲ 0.50% · 4.625%
HK$348,648
+HK$17,457/mo
Deposit HK$26.54M · loan HK$61.93M · min. income ≈ HK$662,382/mo (50% DSR)
Upfront cash ≈ HK$30.30M (deposit + AVD stamp duty HK$3,760,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$363,141
−HK$22,772/mo
▼ 0.25% · 3.875%
HK$374,436
−HK$11,477/mo
Today · 4.125%
HK$385,913
baseline
▲ 0.50% · 4.625%
HK$409,395
+HK$23,482/mo
Deposit HK$8.85M · loan HK$79.63M · min. income ≈ HK$771,826/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$3,760,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$403,990
−HK$21,827/mo
▼ 0.25% · 3.875%
HK$414,825
−HK$10,992/mo
Today · 4.125%
HK$425,817
baseline
▲ 0.50% · 4.625%
HK$448,262
+HK$22,445/mo
Deposit HK$8.85M · loan HK$79.63M · min. income ≈ HK$851,634/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$3,760,171 · Scale 2, in force from 26 Feb 2026)