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$201,374
−HK$12,628/mo
▼ 0.25% · 3.875%
HK$207,638
−HK$6,364/mo
Today · 4.125%
HK$214,002
baseline
▲ 0.50% · 4.625%
HK$227,023
+HK$13,021/mo
Deposit HK$44.16M · loan HK$44.16M · min. income ≈ HK$428,004/mo (50% DSR)
Upfront cash ≈ HK$47.91M (deposit + AVD stamp duty HK$3,753,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,027
−HK$12,103/mo
▼ 0.25% · 3.875%
HK$230,035
−HK$6,095/mo
Today · 4.125%
HK$236,130
baseline
▲ 0.50% · 4.625%
HK$248,577
+HK$12,447/mo
Deposit HK$44.16M · loan HK$44.16M · min. income ≈ HK$472,260/mo (50% DSR)
Upfront cash ≈ HK$47.91M (deposit + AVD stamp duty HK$3,753,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,649
−HK$15,153/mo
▼ 0.25% · 3.875%
HK$249,165
−HK$7,637/mo
Today · 4.125%
HK$256,802
baseline
▲ 0.50% · 4.625%
HK$272,428
+HK$15,626/mo
Deposit HK$35.32M · loan HK$52.99M · min. income ≈ HK$513,604/mo (50% DSR)
Upfront cash ≈ HK$39.08M (deposit + AVD stamp duty HK$3,753,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,832
−HK$14,524/mo
▼ 0.25% · 3.875%
HK$276,042
−HK$7,314/mo
Today · 4.125%
HK$283,356
baseline
▲ 0.50% · 4.625%
HK$298,292
+HK$14,936/mo
Deposit HK$35.32M · loan HK$52.99M · min. income ≈ HK$566,712/mo (50% DSR)
Upfront cash ≈ HK$39.08M (deposit + AVD stamp duty HK$3,753,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,924
−HK$17,679/mo
▼ 0.25% · 3.875%
HK$290,693
−HK$8,910/mo
Today · 4.125%
HK$299,603
baseline
▲ 0.50% · 4.625%
HK$317,833
+HK$18,230/mo
Deposit HK$26.49M · loan HK$61.82M · min. income ≈ HK$599,206/mo (50% DSR)
Upfront cash ≈ HK$30.25M (deposit + AVD stamp duty HK$3,753,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,637
−HK$16,945/mo
▼ 0.25% · 3.875%
HK$322,049
−HK$8,533/mo
Today · 4.125%
HK$330,582
baseline
▲ 0.50% · 4.625%
HK$348,007
+HK$17,425/mo
Deposit HK$26.49M · loan HK$61.82M · min. income ≈ HK$661,164/mo (50% DSR)
Upfront cash ≈ HK$30.25M (deposit + AVD stamp duty HK$3,753,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$362,473
−HK$22,730/mo
▼ 0.25% · 3.875%
HK$373,748
−HK$11,455/mo
Today · 4.125%
HK$385,203
baseline
▲ 0.50% · 4.625%
HK$408,642
+HK$23,439/mo
Deposit HK$8.83M · loan HK$79.48M · min. income ≈ HK$770,406/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$3,753,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$403,248
−HK$21,786/mo
▼ 0.25% · 3.875%
HK$414,063
−HK$10,971/mo
Today · 4.125%
HK$425,034
baseline
▲ 0.50% · 4.625%
HK$447,438
+HK$22,404/mo
Deposit HK$8.83M · loan HK$79.48M · min. income ≈ HK$850,068/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$3,753,260 · Scale 2, in force from 26 Feb 2026)