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$186,386
−HK$11,688/mo
▼ 0.25% · 3.875%
HK$192,184
−HK$5,890/mo
Today · 4.125%
HK$198,074
baseline
▲ 0.50% · 4.625%
HK$210,126
+HK$12,052/mo
Deposit HK$40.87M · loan HK$40.87M · min. income ≈ HK$396,148/mo (50% DSR)
Upfront cash ≈ HK$44.34M (deposit + AVD stamp duty HK$3,473,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,353
−HK$11,202/mo
▼ 0.25% · 3.875%
HK$212,914
−HK$5,641/mo
Today · 4.125%
HK$218,555
baseline
▲ 0.50% · 4.625%
HK$230,076
+HK$11,521/mo
Deposit HK$40.87M · loan HK$40.87M · min. income ≈ HK$437,110/mo (50% DSR)
Upfront cash ≈ HK$44.34M (deposit + AVD stamp duty HK$3,473,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,663
−HK$14,026/mo
▼ 0.25% · 3.875%
HK$230,620
−HK$7,069/mo
Today · 4.125%
HK$237,689
baseline
▲ 0.50% · 4.625%
HK$252,152
+HK$14,463/mo
Deposit HK$32.70M · loan HK$49.04M · min. income ≈ HK$475,378/mo (50% DSR)
Upfront cash ≈ HK$36.17M (deposit + AVD stamp duty HK$3,473,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,823
−HK$13,443/mo
▼ 0.25% · 3.875%
HK$255,496
−HK$6,770/mo
Today · 4.125%
HK$262,266
baseline
▲ 0.50% · 4.625%
HK$276,091
+HK$13,825/mo
Deposit HK$32.70M · loan HK$49.04M · min. income ≈ HK$524,532/mo (50% DSR)
Upfront cash ≈ HK$36.17M (deposit + AVD stamp duty HK$3,473,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,940
−HK$16,364/mo
▼ 0.25% · 3.875%
HK$269,057
−HK$8,247/mo
Today · 4.125%
HK$277,304
baseline
▲ 0.50% · 4.625%
HK$294,177
+HK$16,873/mo
Deposit HK$24.52M · loan HK$57.22M · min. income ≈ HK$554,608/mo (50% DSR)
Upfront cash ≈ HK$28.00M (deposit + AVD stamp duty HK$3,473,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,294
−HK$15,683/mo
▼ 0.25% · 3.875%
HK$298,079
−HK$7,898/mo
Today · 4.125%
HK$305,977
baseline
▲ 0.50% · 4.625%
HK$322,106
+HK$16,129/mo
Deposit HK$24.52M · loan HK$57.22M · min. income ≈ HK$611,954/mo (50% DSR)
Upfront cash ≈ HK$28.00M (deposit + AVD stamp duty HK$3,473,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$335,495
−HK$21,038/mo
▼ 0.25% · 3.875%
HK$345,931
−HK$10,602/mo
Today · 4.125%
HK$356,533
baseline
▲ 0.50% · 4.625%
HK$378,227
+HK$21,694/mo
Deposit HK$8.17M · loan HK$73.57M · min. income ≈ HK$713,066/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$3,473,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$373,235
−HK$20,164/mo
▼ 0.25% · 3.875%
HK$383,245
−HK$10,154/mo
Today · 4.125%
HK$393,399
baseline
▲ 0.50% · 4.625%
HK$414,136
+HK$20,737/mo
Deposit HK$8.17M · loan HK$73.57M · min. income ≈ HK$786,798/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$3,473,910 · Scale 2, in force from 26 Feb 2026)