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$197,772
−HK$12,402/mo
▼ 0.25% · 3.875%
HK$203,924
−HK$6,250/mo
Today · 4.125%
HK$210,174
baseline
▲ 0.50% · 4.625%
HK$222,962
+HK$12,788/mo
Deposit HK$43.37M · loan HK$43.37M · min. income ≈ HK$420,348/mo (50% DSR)
Upfront cash ≈ HK$47.05M (deposit + AVD stamp duty HK$3,686,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,019
−HK$11,887/mo
▼ 0.25% · 3.875%
HK$225,920
−HK$5,986/mo
Today · 4.125%
HK$231,906
baseline
▲ 0.50% · 4.625%
HK$244,130
+HK$12,224/mo
Deposit HK$43.37M · loan HK$43.37M · min. income ≈ HK$463,812/mo (50% DSR)
Upfront cash ≈ HK$47.05M (deposit + AVD stamp duty HK$3,686,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,326
−HK$14,883/mo
▼ 0.25% · 3.875%
HK$244,708
−HK$7,501/mo
Today · 4.125%
HK$252,209
baseline
▲ 0.50% · 4.625%
HK$267,555
+HK$15,346/mo
Deposit HK$34.69M · loan HK$52.04M · min. income ≈ HK$504,418/mo (50% DSR)
Upfront cash ≈ HK$38.38M (deposit + AVD stamp duty HK$3,686,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,023
−HK$14,264/mo
▼ 0.25% · 3.875%
HK$271,104
−HK$7,183/mo
Today · 4.125%
HK$278,287
baseline
▲ 0.50% · 4.625%
HK$292,956
+HK$14,669/mo
Deposit HK$34.69M · loan HK$52.04M · min. income ≈ HK$556,574/mo (50% DSR)
Upfront cash ≈ HK$38.38M (deposit + AVD stamp duty HK$3,686,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,881
−HK$17,362/mo
▼ 0.25% · 3.875%
HK$285,493
−HK$8,750/mo
Today · 4.125%
HK$294,243
baseline
▲ 0.50% · 4.625%
HK$312,147
+HK$17,904/mo
Deposit HK$26.02M · loan HK$60.71M · min. income ≈ HK$588,486/mo (50% DSR)
Upfront cash ≈ HK$29.71M (deposit + AVD stamp duty HK$3,686,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,027
−HK$16,642/mo
▼ 0.25% · 3.875%
HK$316,288
−HK$8,381/mo
Today · 4.125%
HK$324,669
baseline
▲ 0.50% · 4.625%
HK$341,782
+HK$17,113/mo
Deposit HK$26.02M · loan HK$60.71M · min. income ≈ HK$649,338/mo (50% DSR)
Upfront cash ≈ HK$29.71M (deposit + AVD stamp duty HK$3,686,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$355,989
−HK$22,324/mo
▼ 0.25% · 3.875%
HK$367,063
−HK$11,250/mo
Today · 4.125%
HK$378,313
baseline
▲ 0.50% · 4.625%
HK$401,332
+HK$23,019/mo
Deposit HK$8.67M · loan HK$78.06M · min. income ≈ HK$756,626/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$3,686,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$396,034
−HK$21,397/mo
▼ 0.25% · 3.875%
HK$406,656
−HK$10,775/mo
Today · 4.125%
HK$417,431
baseline
▲ 0.50% · 4.625%
HK$439,434
+HK$22,003/mo
Deposit HK$8.67M · loan HK$78.06M · min. income ≈ HK$834,862/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$3,686,122 · Scale 2, in force from 26 Feb 2026)