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$180,505
−HK$11,319/mo
▼ 0.25% · 3.875%
HK$186,120
−HK$5,704/mo
Today · 4.125%
HK$191,824
baseline
▲ 0.50% · 4.625%
HK$203,496
+HK$11,672/mo
Deposit HK$39.58M · loan HK$39.58M · min. income ≈ HK$383,648/mo (50% DSR)
Upfront cash ≈ HK$42.94M (deposit + AVD stamp duty HK$3,364,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,810
−HK$10,849/mo
▼ 0.25% · 3.875%
HK$206,196
−HK$5,463/mo
Today · 4.125%
HK$211,659
baseline
▲ 0.50% · 4.625%
HK$222,816
+HK$11,157/mo
Deposit HK$39.58M · loan HK$39.58M · min. income ≈ HK$423,318/mo (50% DSR)
Upfront cash ≈ HK$42.94M (deposit + AVD stamp duty HK$3,364,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,606
−HK$13,583/mo
▼ 0.25% · 3.875%
HK$223,344
−HK$6,845/mo
Today · 4.125%
HK$230,189
baseline
▲ 0.50% · 4.625%
HK$244,196
+HK$14,007/mo
Deposit HK$31.66M · loan HK$47.50M · min. income ≈ HK$460,378/mo (50% DSR)
Upfront cash ≈ HK$35.03M (deposit + AVD stamp duty HK$3,364,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,972
−HK$13,019/mo
▼ 0.25% · 3.875%
HK$247,435
−HK$6,556/mo
Today · 4.125%
HK$253,991
baseline
▲ 0.50% · 4.625%
HK$267,379
+HK$13,388/mo
Deposit HK$31.66M · loan HK$47.50M · min. income ≈ HK$507,982/mo (50% DSR)
Upfront cash ≈ HK$35.03M (deposit + AVD stamp duty HK$3,364,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,707
−HK$15,847/mo
▼ 0.25% · 3.875%
HK$260,568
−HK$7,986/mo
Today · 4.125%
HK$268,554
baseline
▲ 0.50% · 4.625%
HK$284,895
+HK$16,341/mo
Deposit HK$23.75M · loan HK$55.41M · min. income ≈ HK$537,108/mo (50% DSR)
Upfront cash ≈ HK$27.11M (deposit + AVD stamp duty HK$3,364,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,134
−HK$15,189/mo
▼ 0.25% · 3.875%
HK$288,674
−HK$7,649/mo
Today · 4.125%
HK$296,323
baseline
▲ 0.50% · 4.625%
HK$311,943
+HK$15,620/mo
Deposit HK$23.75M · loan HK$55.41M · min. income ≈ HK$592,646/mo (50% DSR)
Upfront cash ≈ HK$27.11M (deposit + AVD stamp duty HK$3,364,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$324,909
−HK$20,375/mo
▼ 0.25% · 3.875%
HK$335,016
−HK$10,268/mo
Today · 4.125%
HK$345,284
baseline
▲ 0.50% · 4.625%
HK$366,294
+HK$21,010/mo
Deposit HK$7.92M · loan HK$71.24M · min. income ≈ HK$690,568/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$3,364,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$361,458
−HK$19,529/mo
▼ 0.25% · 3.875%
HK$371,152
−HK$9,835/mo
Today · 4.125%
HK$380,987
baseline
▲ 0.50% · 4.625%
HK$401,069
+HK$20,082/mo
Deposit HK$7.92M · loan HK$71.24M · min. income ≈ HK$761,974/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$3,364,301 · Scale 2, in force from 26 Feb 2026)