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$198,701
−HK$12,460/mo
▼ 0.25% · 3.875%
HK$204,882
−HK$6,279/mo
Today · 4.125%
HK$211,161
baseline
▲ 0.50% · 4.625%
HK$224,010
+HK$12,849/mo
Deposit HK$43.57M · loan HK$43.57M · min. income ≈ HK$422,322/mo (50% DSR)
Upfront cash ≈ HK$47.27M (deposit + AVD stamp duty HK$3,703,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,053
−HK$11,943/mo
▼ 0.25% · 3.875%
HK$226,981
−HK$6,015/mo
Today · 4.125%
HK$232,996
baseline
▲ 0.50% · 4.625%
HK$245,277
+HK$12,281/mo
Deposit HK$43.57M · loan HK$43.57M · min. income ≈ HK$465,992/mo (50% DSR)
Upfront cash ≈ HK$47.27M (deposit + AVD stamp duty HK$3,703,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,441
−HK$14,953/mo
▼ 0.25% · 3.875%
HK$245,858
−HK$7,536/mo
Today · 4.125%
HK$253,394
baseline
▲ 0.50% · 4.625%
HK$268,812
+HK$15,418/mo
Deposit HK$34.86M · loan HK$52.28M · min. income ≈ HK$506,788/mo (50% DSR)
Upfront cash ≈ HK$38.56M (deposit + AVD stamp duty HK$3,703,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,264
−HK$14,331/mo
▼ 0.25% · 3.875%
HK$272,378
−HK$7,217/mo
Today · 4.125%
HK$279,595
baseline
▲ 0.50% · 4.625%
HK$294,333
+HK$14,738/mo
Deposit HK$34.86M · loan HK$52.28M · min. income ≈ HK$559,190/mo (50% DSR)
Upfront cash ≈ HK$38.56M (deposit + AVD stamp duty HK$3,703,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,181
−HK$17,445/mo
▼ 0.25% · 3.875%
HK$286,835
−HK$8,791/mo
Today · 4.125%
HK$295,626
baseline
▲ 0.50% · 4.625%
HK$313,614
+HK$17,988/mo
Deposit HK$26.14M · loan HK$61.00M · min. income ≈ HK$591,252/mo (50% DSR)
Upfront cash ≈ HK$29.85M (deposit + AVD stamp duty HK$3,703,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,474
−HK$16,720/mo
▼ 0.25% · 3.875%
HK$317,774
−HK$8,420/mo
Today · 4.125%
HK$326,194
baseline
▲ 0.50% · 4.625%
HK$343,388
+HK$17,194/mo
Deposit HK$26.14M · loan HK$61.00M · min. income ≈ HK$652,388/mo (50% DSR)
Upfront cash ≈ HK$29.85M (deposit + AVD stamp duty HK$3,703,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$357,662
−HK$22,428/mo
▼ 0.25% · 3.875%
HK$368,787
−HK$11,303/mo
Today · 4.125%
HK$380,090
baseline
▲ 0.50% · 4.625%
HK$403,218
+HK$23,128/mo
Deposit HK$8.71M · loan HK$78.43M · min. income ≈ HK$760,180/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$3,703,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$397,895
−HK$21,497/mo
▼ 0.25% · 3.875%
HK$408,567
−HK$10,825/mo
Today · 4.125%
HK$419,392
baseline
▲ 0.50% · 4.625%
HK$441,499
+HK$22,107/mo
Deposit HK$8.71M · loan HK$78.43M · min. income ≈ HK$838,784/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$3,703,442 · Scale 2, in force from 26 Feb 2026)