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$187,181
−HK$11,738/mo
▼ 0.25% · 3.875%
HK$193,004
−HK$5,915/mo
Today · 4.125%
HK$198,919
baseline
▲ 0.50% · 4.625%
HK$211,023
+HK$12,104/mo
Deposit HK$41.04M · loan HK$41.04M · min. income ≈ HK$397,838/mo (50% DSR)
Upfront cash ≈ HK$44.53M (deposit + AVD stamp duty HK$3,488,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,237
−HK$11,251/mo
▼ 0.25% · 3.875%
HK$213,822
−HK$5,666/mo
Today · 4.125%
HK$219,488
baseline
▲ 0.50% · 4.625%
HK$231,057
+HK$11,569/mo
Deposit HK$41.04M · loan HK$41.04M · min. income ≈ HK$438,976/mo (50% DSR)
Upfront cash ≈ HK$44.53M (deposit + AVD stamp duty HK$3,488,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,618
−HK$14,085/mo
▼ 0.25% · 3.875%
HK$231,604
−HK$7,099/mo
Today · 4.125%
HK$238,703
baseline
▲ 0.50% · 4.625%
HK$253,228
+HK$14,525/mo
Deposit HK$32.84M · loan HK$49.25M · min. income ≈ HK$477,406/mo (50% DSR)
Upfront cash ≈ HK$36.32M (deposit + AVD stamp duty HK$3,488,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,885
−HK$13,500/mo
▼ 0.25% · 3.875%
HK$256,586
−HK$6,799/mo
Today · 4.125%
HK$263,385
baseline
▲ 0.50% · 4.625%
HK$277,269
+HK$13,884/mo
Deposit HK$32.84M · loan HK$49.25M · min. income ≈ HK$526,770/mo (50% DSR)
Upfront cash ≈ HK$36.32M (deposit + AVD stamp duty HK$3,488,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,054
−HK$16,433/mo
▼ 0.25% · 3.875%
HK$270,205
−HK$8,282/mo
Today · 4.125%
HK$278,487
baseline
▲ 0.50% · 4.625%
HK$295,432
+HK$16,945/mo
Deposit HK$24.63M · loan HK$57.46M · min. income ≈ HK$556,974/mo (50% DSR)
Upfront cash ≈ HK$28.12M (deposit + AVD stamp duty HK$3,488,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,532
−HK$15,751/mo
▼ 0.25% · 3.875%
HK$299,351
−HK$7,932/mo
Today · 4.125%
HK$307,283
baseline
▲ 0.50% · 4.625%
HK$323,480
+HK$16,197/mo
Deposit HK$24.63M · loan HK$57.46M · min. income ≈ HK$614,566/mo (50% DSR)
Upfront cash ≈ HK$28.12M (deposit + AVD stamp duty HK$3,488,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$336,926
−HK$21,128/mo
▼ 0.25% · 3.875%
HK$347,407
−HK$10,647/mo
Today · 4.125%
HK$358,054
baseline
▲ 0.50% · 4.625%
HK$379,841
+HK$21,787/mo
Deposit HK$8.21M · loan HK$73.88M · min. income ≈ HK$716,108/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$3,488,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$374,827
−HK$20,251/mo
▼ 0.25% · 3.875%
HK$384,880
−HK$10,198/mo
Today · 4.125%
HK$395,078
baseline
▲ 0.50% · 4.625%
HK$415,903
+HK$20,825/mo
Deposit HK$8.21M · loan HK$73.88M · min. income ≈ HK$790,156/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$3,488,732 · Scale 2, in force from 26 Feb 2026)