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$179,822
−HK$11,276/mo
▼ 0.25% · 3.875%
HK$185,415
−HK$5,683/mo
Today · 4.125%
HK$191,098
baseline
▲ 0.50% · 4.625%
HK$202,726
+HK$11,628/mo
Deposit HK$39.43M · loan HK$39.43M · min. income ≈ HK$382,196/mo (50% DSR)
Upfront cash ≈ HK$42.78M (deposit + AVD stamp duty HK$3,351,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,050
−HK$10,808/mo
▼ 0.25% · 3.875%
HK$205,415
−HK$5,443/mo
Today · 4.125%
HK$210,858
baseline
▲ 0.50% · 4.625%
HK$221,973
+HK$11,115/mo
Deposit HK$39.43M · loan HK$39.43M · min. income ≈ HK$421,716/mo (50% DSR)
Upfront cash ≈ HK$42.78M (deposit + AVD stamp duty HK$3,351,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,786
−HK$13,532/mo
▼ 0.25% · 3.875%
HK$222,498
−HK$6,820/mo
Today · 4.125%
HK$229,318
baseline
▲ 0.50% · 4.625%
HK$243,271
+HK$13,953/mo
Deposit HK$31.54M · loan HK$47.32M · min. income ≈ HK$458,636/mo (50% DSR)
Upfront cash ≈ HK$34.90M (deposit + AVD stamp duty HK$3,351,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,060
−HK$12,970/mo
▼ 0.25% · 3.875%
HK$246,498
−HK$6,532/mo
Today · 4.125%
HK$253,030
baseline
▲ 0.50% · 4.625%
HK$266,367
+HK$13,337/mo
Deposit HK$31.54M · loan HK$47.32M · min. income ≈ HK$506,060/mo (50% DSR)
Upfront cash ≈ HK$34.90M (deposit + AVD stamp duty HK$3,351,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,751
−HK$15,787/mo
▼ 0.25% · 3.875%
HK$259,581
−HK$7,957/mo
Today · 4.125%
HK$267,538
baseline
▲ 0.50% · 4.625%
HK$283,817
+HK$16,279/mo
Deposit HK$23.66M · loan HK$55.20M · min. income ≈ HK$535,076/mo (50% DSR)
Upfront cash ≈ HK$27.01M (deposit + AVD stamp duty HK$3,351,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,070
−HK$15,131/mo
▼ 0.25% · 3.875%
HK$287,581
−HK$7,620/mo
Today · 4.125%
HK$295,201
baseline
▲ 0.50% · 4.625%
HK$310,762
+HK$15,561/mo
Deposit HK$23.66M · loan HK$55.20M · min. income ≈ HK$590,402/mo (50% DSR)
Upfront cash ≈ HK$27.01M (deposit + AVD stamp duty HK$3,351,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,679
−HK$20,298/mo
▼ 0.25% · 3.875%
HK$333,748
−HK$10,229/mo
Today · 4.125%
HK$343,977
baseline
▲ 0.50% · 4.625%
HK$364,907
+HK$20,930/mo
Deposit HK$7.89M · loan HK$70.97M · min. income ≈ HK$687,954/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$3,351,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$360,090
−HK$19,455/mo
▼ 0.25% · 3.875%
HK$369,747
−HK$9,798/mo
Today · 4.125%
HK$379,545
baseline
▲ 0.50% · 4.625%
HK$399,551
+HK$20,006/mo
Deposit HK$7.89M · loan HK$70.97M · min. income ≈ HK$759,090/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$3,351,566 · Scale 2, in force from 26 Feb 2026)