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$209,348
−HK$13,128/mo
▼ 0.25% · 3.875%
HK$215,860
−HK$6,616/mo
Today · 4.125%
HK$222,476
baseline
▲ 0.50% · 4.625%
HK$236,014
+HK$13,538/mo
Deposit HK$45.90M · loan HK$45.90M · min. income ≈ HK$444,952/mo (50% DSR)
Upfront cash ≈ HK$49.81M (deposit + AVD stamp duty HK$3,901,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,898
−HK$12,583/mo
▼ 0.25% · 3.875%
HK$239,144
−HK$6,337/mo
Today · 4.125%
HK$245,481
baseline
▲ 0.50% · 4.625%
HK$258,420
+HK$12,939/mo
Deposit HK$45.90M · loan HK$45.90M · min. income ≈ HK$490,962/mo (50% DSR)
Upfront cash ≈ HK$49.81M (deposit + AVD stamp duty HK$3,901,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,218
−HK$15,754/mo
▼ 0.25% · 3.875%
HK$259,032
−HK$7,940/mo
Today · 4.125%
HK$266,972
baseline
▲ 0.50% · 4.625%
HK$283,216
+HK$16,244/mo
Deposit HK$36.72M · loan HK$55.09M · min. income ≈ HK$533,944/mo (50% DSR)
Upfront cash ≈ HK$40.63M (deposit + AVD stamp duty HK$3,901,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,478
−HK$15,099/mo
▼ 0.25% · 3.875%
HK$286,973
−HK$7,604/mo
Today · 4.125%
HK$294,577
baseline
▲ 0.50% · 4.625%
HK$310,105
+HK$15,528/mo
Deposit HK$36.72M · loan HK$55.09M · min. income ≈ HK$589,154/mo (50% DSR)
Upfront cash ≈ HK$40.63M (deposit + AVD stamp duty HK$3,901,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,088
−HK$18,379/mo
▼ 0.25% · 3.875%
HK$302,205
−HK$9,262/mo
Today · 4.125%
HK$311,467
baseline
▲ 0.50% · 4.625%
HK$330,419
+HK$18,952/mo
Deposit HK$27.54M · loan HK$64.27M · min. income ≈ HK$622,934/mo (50% DSR)
Upfront cash ≈ HK$31.44M (deposit + AVD stamp duty HK$3,901,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$326,057
−HK$17,616/mo
▼ 0.25% · 3.875%
HK$334,802
−HK$8,871/mo
Today · 4.125%
HK$343,673
baseline
▲ 0.50% · 4.625%
HK$361,789
+HK$18,116/mo
Deposit HK$27.54M · loan HK$64.27M · min. income ≈ HK$687,346/mo (50% DSR)
Upfront cash ≈ HK$31.44M (deposit + AVD stamp duty HK$3,901,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$376,827
−HK$23,631/mo
▼ 0.25% · 3.875%
HK$388,549
−HK$11,909/mo
Today · 4.125%
HK$400,458
baseline
▲ 0.50% · 4.625%
HK$424,824
+HK$24,366/mo
Deposit HK$9.18M · loan HK$82.63M · min. income ≈ HK$800,916/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$3,901,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$419,216
−HK$22,649/mo
▼ 0.25% · 3.875%
HK$430,460
−HK$11,405/mo
Today · 4.125%
HK$441,865
baseline
▲ 0.50% · 4.625%
HK$465,157
+HK$23,292/mo
Deposit HK$9.18M · loan HK$82.63M · min. income ≈ HK$883,730/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$3,901,890 · Scale 2, in force from 26 Feb 2026)