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$182,065
−HK$11,417/mo
▼ 0.25% · 3.875%
HK$187,728
−HK$5,754/mo
Today · 4.125%
HK$193,482
baseline
▲ 0.50% · 4.625%
HK$205,254
+HK$11,772/mo
Deposit HK$39.92M · loan HK$39.92M · min. income ≈ HK$386,964/mo (50% DSR)
Upfront cash ≈ HK$43.32M (deposit + AVD stamp duty HK$3,393,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,545
−HK$10,943/mo
▼ 0.25% · 3.875%
HK$207,977
−HK$5,511/mo
Today · 4.125%
HK$213,488
baseline
▲ 0.50% · 4.625%
HK$224,741
+HK$11,253/mo
Deposit HK$39.92M · loan HK$39.92M · min. income ≈ HK$426,976/mo (50% DSR)
Upfront cash ≈ HK$43.32M (deposit + AVD stamp duty HK$3,393,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,477
−HK$13,701/mo
▼ 0.25% · 3.875%
HK$225,273
−HK$6,905/mo
Today · 4.125%
HK$232,178
baseline
▲ 0.50% · 4.625%
HK$246,305
+HK$14,127/mo
Deposit HK$31.94M · loan HK$47.91M · min. income ≈ HK$464,356/mo (50% DSR)
Upfront cash ≈ HK$35.33M (deposit + AVD stamp duty HK$3,393,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,054
−HK$13,131/mo
▼ 0.25% · 3.875%
HK$249,573
−HK$6,612/mo
Today · 4.125%
HK$256,185
baseline
▲ 0.50% · 4.625%
HK$269,689
+HK$13,504/mo
Deposit HK$31.94M · loan HK$47.91M · min. income ≈ HK$512,370/mo (50% DSR)
Upfront cash ≈ HK$35.33M (deposit + AVD stamp duty HK$3,393,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,890
−HK$15,984/mo
▼ 0.25% · 3.875%
HK$262,819
−HK$8,055/mo
Today · 4.125%
HK$270,874
baseline
▲ 0.50% · 4.625%
HK$287,356
+HK$16,482/mo
Deposit HK$23.95M · loan HK$55.89M · min. income ≈ HK$541,748/mo (50% DSR)
Upfront cash ≈ HK$27.35M (deposit + AVD stamp duty HK$3,393,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,563
−HK$15,320/mo
▼ 0.25% · 3.875%
HK$291,168
−HK$7,715/mo
Today · 4.125%
HK$298,883
baseline
▲ 0.50% · 4.625%
HK$314,637
+HK$15,754/mo
Deposit HK$23.95M · loan HK$55.89M · min. income ≈ HK$597,766/mo (50% DSR)
Upfront cash ≈ HK$27.35M (deposit + AVD stamp duty HK$3,393,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$327,716
−HK$20,551/mo
▼ 0.25% · 3.875%
HK$337,910
−HK$10,357/mo
Today · 4.125%
HK$348,267
baseline
▲ 0.50% · 4.625%
HK$369,458
+HK$21,191/mo
Deposit HK$7.98M · loan HK$71.86M · min. income ≈ HK$696,534/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$3,393,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$364,581
−HK$19,697/mo
▼ 0.25% · 3.875%
HK$374,359
−HK$9,919/mo
Today · 4.125%
HK$384,278
baseline
▲ 0.50% · 4.625%
HK$404,534
+HK$20,256/mo
Deposit HK$7.98M · loan HK$71.86M · min. income ≈ HK$768,556/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$3,393,365 · Scale 2, in force from 26 Feb 2026)