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$183,609
−HK$11,513/mo
▼ 0.25% · 3.875%
HK$189,320
−HK$5,802/mo
Today · 4.125%
HK$195,122
baseline
▲ 0.50% · 4.625%
HK$206,995
+HK$11,873/mo
Deposit HK$40.26M · loan HK$40.26M · min. income ≈ HK$390,244/mo (50% DSR)
Upfront cash ≈ HK$43.68M (deposit + AVD stamp duty HK$3,422,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,263
−HK$11,035/mo
▼ 0.25% · 3.875%
HK$209,741
−HK$5,557/mo
Today · 4.125%
HK$215,298
baseline
▲ 0.50% · 4.625%
HK$226,647
+HK$11,349/mo
Deposit HK$40.26M · loan HK$40.26M · min. income ≈ HK$430,596/mo (50% DSR)
Upfront cash ≈ HK$43.68M (deposit + AVD stamp duty HK$3,422,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,330
−HK$13,817/mo
▼ 0.25% · 3.875%
HK$227,184
−HK$6,963/mo
Today · 4.125%
HK$234,147
baseline
▲ 0.50% · 4.625%
HK$248,394
+HK$14,247/mo
Deposit HK$32.21M · loan HK$48.31M · min. income ≈ HK$468,294/mo (50% DSR)
Upfront cash ≈ HK$35.63M (deposit + AVD stamp duty HK$3,422,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,115
−HK$13,243/mo
▼ 0.25% · 3.875%
HK$251,689
−HK$6,669/mo
Today · 4.125%
HK$258,358
baseline
▲ 0.50% · 4.625%
HK$271,976
+HK$13,618/mo
Deposit HK$32.21M · loan HK$48.31M · min. income ≈ HK$516,716/mo (50% DSR)
Upfront cash ≈ HK$35.63M (deposit + AVD stamp duty HK$3,422,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,052
−HK$16,119/mo
▼ 0.25% · 3.875%
HK$265,048
−HK$8,123/mo
Today · 4.125%
HK$273,171
baseline
▲ 0.50% · 4.625%
HK$289,793
+HK$16,622/mo
Deposit HK$24.16M · loan HK$56.36M · min. income ≈ HK$546,342/mo (50% DSR)
Upfront cash ≈ HK$27.58M (deposit + AVD stamp duty HK$3,422,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,968
−HK$15,450/mo
▼ 0.25% · 3.875%
HK$293,637
−HK$7,781/mo
Today · 4.125%
HK$301,418
baseline
▲ 0.50% · 4.625%
HK$317,306
+HK$15,888/mo
Deposit HK$24.16M · loan HK$56.36M · min. income ≈ HK$602,836/mo (50% DSR)
Upfront cash ≈ HK$27.58M (deposit + AVD stamp duty HK$3,422,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$330,495
−HK$20,725/mo
▼ 0.25% · 3.875%
HK$340,776
−HK$10,444/mo
Today · 4.125%
HK$351,220
baseline
▲ 0.50% · 4.625%
HK$372,591
+HK$21,371/mo
Deposit HK$8.05M · loan HK$72.47M · min. income ≈ HK$702,440/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$3,422,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$367,673
−HK$19,864/mo
▼ 0.25% · 3.875%
HK$377,534
−HK$10,003/mo
Today · 4.125%
HK$387,537
baseline
▲ 0.50% · 4.625%
HK$407,965
+HK$20,428/mo
Deposit HK$8.05M · loan HK$72.47M · min. income ≈ HK$775,074/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$3,422,143 · Scale 2, in force from 26 Feb 2026)