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$187,499
−HK$11,758/mo
▼ 0.25% · 3.875%
HK$193,331
−HK$5,926/mo
Today · 4.125%
HK$199,257
baseline
▲ 0.50% · 4.625%
HK$211,381
+HK$12,124/mo
Deposit HK$41.11M · loan HK$41.11M · min. income ≈ HK$398,514/mo (50% DSR)
Upfront cash ≈ HK$44.61M (deposit + AVD stamp duty HK$3,494,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,590
−HK$11,270/mo
▼ 0.25% · 3.875%
HK$214,185
−HK$5,675/mo
Today · 4.125%
HK$219,860
baseline
▲ 0.50% · 4.625%
HK$231,449
+HK$11,589/mo
Deposit HK$41.11M · loan HK$41.11M · min. income ≈ HK$439,720/mo (50% DSR)
Upfront cash ≈ HK$44.61M (deposit + AVD stamp duty HK$3,494,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,999
−HK$14,109/mo
▼ 0.25% · 3.875%
HK$231,997
−HK$7,111/mo
Today · 4.125%
HK$239,108
baseline
▲ 0.50% · 4.625%
HK$253,657
+HK$14,549/mo
Deposit HK$32.89M · loan HK$49.34M · min. income ≈ HK$478,216/mo (50% DSR)
Upfront cash ≈ HK$36.39M (deposit + AVD stamp duty HK$3,494,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,309
−HK$13,523/mo
▼ 0.25% · 3.875%
HK$257,022
−HK$6,810/mo
Today · 4.125%
HK$263,832
baseline
▲ 0.50% · 4.625%
HK$277,739
+HK$13,907/mo
Deposit HK$32.89M · loan HK$49.34M · min. income ≈ HK$527,664/mo (50% DSR)
Upfront cash ≈ HK$36.39M (deposit + AVD stamp duty HK$3,494,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,498
−HK$16,461/mo
▼ 0.25% · 3.875%
HK$270,663
−HK$8,296/mo
Today · 4.125%
HK$278,959
baseline
▲ 0.50% · 4.625%
HK$295,933
+HK$16,974/mo
Deposit HK$24.67M · loan HK$57.56M · min. income ≈ HK$557,918/mo (50% DSR)
Upfront cash ≈ HK$28.16M (deposit + AVD stamp duty HK$3,494,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,027
−HK$15,777/mo
▼ 0.25% · 3.875%
HK$299,859
−HK$7,945/mo
Today · 4.125%
HK$307,804
baseline
▲ 0.50% · 4.625%
HK$324,029
+HK$16,225/mo
Deposit HK$24.67M · loan HK$57.56M · min. income ≈ HK$615,608/mo (50% DSR)
Upfront cash ≈ HK$28.16M (deposit + AVD stamp duty HK$3,494,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$337,498
−HK$21,164/mo
▼ 0.25% · 3.875%
HK$347,996
−HK$10,666/mo
Today · 4.125%
HK$358,662
baseline
▲ 0.50% · 4.625%
HK$380,486
+HK$21,824/mo
Deposit HK$8.22M · loan HK$74.00M · min. income ≈ HK$717,324/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$3,494,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$375,463
−HK$20,285/mo
▼ 0.25% · 3.875%
HK$385,533
−HK$10,215/mo
Today · 4.125%
HK$395,748
baseline
▲ 0.50% · 4.625%
HK$416,608
+HK$20,860/mo
Deposit HK$8.22M · loan HK$74.00M · min. income ≈ HK$791,496/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$3,494,650 · Scale 2, in force from 26 Feb 2026)