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$191,135
−HK$11,986/mo
▼ 0.25% · 3.875%
HK$197,080
−HK$6,041/mo
Today · 4.125%
HK$203,121
baseline
▲ 0.50% · 4.625%
HK$215,480
+HK$12,359/mo
Deposit HK$41.91M · loan HK$41.91M · min. income ≈ HK$406,242/mo (50% DSR)
Upfront cash ≈ HK$45.47M (deposit + AVD stamp duty HK$3,562,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,635
−HK$11,488/mo
▼ 0.25% · 3.875%
HK$218,338
−HK$5,785/mo
Today · 4.125%
HK$224,123
baseline
▲ 0.50% · 4.625%
HK$235,937
+HK$11,814/mo
Deposit HK$41.91M · loan HK$41.91M · min. income ≈ HK$448,246/mo (50% DSR)
Upfront cash ≈ HK$45.47M (deposit + AVD stamp duty HK$3,562,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,362
−HK$14,383/mo
▼ 0.25% · 3.875%
HK$236,496
−HK$7,249/mo
Today · 4.125%
HK$243,745
baseline
▲ 0.50% · 4.625%
HK$258,576
+HK$14,831/mo
Deposit HK$33.53M · loan HK$50.29M · min. income ≈ HK$487,490/mo (50% DSR)
Upfront cash ≈ HK$37.09M (deposit + AVD stamp duty HK$3,562,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,162
−HK$13,786/mo
▼ 0.25% · 3.875%
HK$262,006
−HK$6,942/mo
Today · 4.125%
HK$268,948
baseline
▲ 0.50% · 4.625%
HK$283,125
+HK$14,177/mo
Deposit HK$33.53M · loan HK$50.29M · min. income ≈ HK$537,896/mo (50% DSR)
Upfront cash ≈ HK$37.09M (deposit + AVD stamp duty HK$3,562,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,589
−HK$16,780/mo
▼ 0.25% · 3.875%
HK$275,912
−HK$8,457/mo
Today · 4.125%
HK$284,369
baseline
▲ 0.50% · 4.625%
HK$301,672
+HK$17,303/mo
Deposit HK$25.15M · loan HK$58.68M · min. income ≈ HK$568,738/mo (50% DSR)
Upfront cash ≈ HK$28.71M (deposit + AVD stamp duty HK$3,562,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,690
−HK$16,083/mo
▼ 0.25% · 3.875%
HK$305,673
−HK$8,100/mo
Today · 4.125%
HK$313,773
baseline
▲ 0.50% · 4.625%
HK$330,312
+HK$16,539/mo
Deposit HK$25.15M · loan HK$58.68M · min. income ≈ HK$627,546/mo (50% DSR)
Upfront cash ≈ HK$28.71M (deposit + AVD stamp duty HK$3,562,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$344,042
−HK$21,575/mo
▼ 0.25% · 3.875%
HK$354,744
−HK$10,873/mo
Today · 4.125%
HK$365,617
baseline
▲ 0.50% · 4.625%
HK$387,864
+HK$22,247/mo
Deposit HK$8.38M · loan HK$75.44M · min. income ≈ HK$731,234/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$3,562,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$382,744
−HK$20,678/mo
▼ 0.25% · 3.875%
HK$393,009
−HK$10,413/mo
Today · 4.125%
HK$403,422
baseline
▲ 0.50% · 4.625%
HK$424,687
+HK$21,265/mo
Deposit HK$8.38M · loan HK$75.44M · min. income ≈ HK$806,844/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$3,562,417 · Scale 2, in force from 26 Feb 2026)