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$203,546
−HK$12,764/mo
▼ 0.25% · 3.875%
HK$209,877
−HK$6,433/mo
Today · 4.125%
HK$216,310
baseline
▲ 0.50% · 4.625%
HK$229,472
+HK$13,162/mo
Deposit HK$44.63M · loan HK$44.63M · min. income ≈ HK$432,620/mo (50% DSR)
Upfront cash ≈ HK$48.43M (deposit + AVD stamp duty HK$3,793,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,443
−HK$12,234/mo
▼ 0.25% · 3.875%
HK$232,516
−HK$6,161/mo
Today · 4.125%
HK$238,677
baseline
▲ 0.50% · 4.625%
HK$251,258
+HK$12,581/mo
Deposit HK$44.63M · loan HK$44.63M · min. income ≈ HK$477,354/mo (50% DSR)
Upfront cash ≈ HK$48.43M (deposit + AVD stamp duty HK$3,793,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,255
−HK$15,317/mo
▼ 0.25% · 3.875%
HK$251,853
−HK$7,719/mo
Today · 4.125%
HK$259,572
baseline
▲ 0.50% · 4.625%
HK$275,366
+HK$15,794/mo
Deposit HK$35.71M · loan HK$53.56M · min. income ≈ HK$519,144/mo (50% DSR)
Upfront cash ≈ HK$39.50M (deposit + AVD stamp duty HK$3,793,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,731
−HK$14,681/mo
▼ 0.25% · 3.875%
HK$279,019
−HK$7,393/mo
Today · 4.125%
HK$286,412
baseline
▲ 0.50% · 4.625%
HK$301,509
+HK$15,097/mo
Deposit HK$35.71M · loan HK$53.56M · min. income ≈ HK$572,824/mo (50% DSR)
Upfront cash ≈ HK$39.50M (deposit + AVD stamp duty HK$3,793,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,964
−HK$17,870/mo
▼ 0.25% · 3.875%
HK$293,828
−HK$9,006/mo
Today · 4.125%
HK$302,834
baseline
▲ 0.50% · 4.625%
HK$321,260
+HK$18,426/mo
Deposit HK$26.78M · loan HK$62.49M · min. income ≈ HK$605,668/mo (50% DSR)
Upfront cash ≈ HK$30.57M (deposit + AVD stamp duty HK$3,793,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,020
−HK$17,127/mo
▼ 0.25% · 3.875%
HK$325,522
−HK$8,625/mo
Today · 4.125%
HK$334,147
baseline
▲ 0.50% · 4.625%
HK$351,761
+HK$17,614/mo
Deposit HK$26.78M · loan HK$62.49M · min. income ≈ HK$668,294/mo (50% DSR)
Upfront cash ≈ HK$30.57M (deposit + AVD stamp duty HK$3,793,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$366,382
−HK$22,976/mo
▼ 0.25% · 3.875%
HK$377,779
−HK$11,579/mo
Today · 4.125%
HK$389,358
baseline
▲ 0.50% · 4.625%
HK$413,049
+HK$23,691/mo
Deposit HK$8.93M · loan HK$80.34M · min. income ≈ HK$778,716/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$3,793,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$407,597
−HK$22,021/mo
▼ 0.25% · 3.875%
HK$418,528
−HK$11,090/mo
Today · 4.125%
HK$429,618
baseline
▲ 0.50% · 4.625%
HK$452,264
+HK$22,646/mo
Deposit HK$8.93M · loan HK$80.34M · min. income ≈ HK$859,236/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$3,793,738 · Scale 2, in force from 26 Feb 2026)