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$191,507
−HK$12,010/mo
▼ 0.25% · 3.875%
HK$197,464
−HK$6,053/mo
Today · 4.125%
HK$203,517
baseline
▲ 0.50% · 4.625%
HK$215,900
+HK$12,383/mo
Deposit HK$41.99M · loan HK$41.99M · min. income ≈ HK$407,034/mo (50% DSR)
Upfront cash ≈ HK$45.56M (deposit + AVD stamp duty HK$3,569,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,050
−HK$11,511/mo
▼ 0.25% · 3.875%
HK$218,764
−HK$5,797/mo
Today · 4.125%
HK$224,561
baseline
▲ 0.50% · 4.625%
HK$236,397
+HK$11,836/mo
Deposit HK$41.99M · loan HK$41.99M · min. income ≈ HK$449,122/mo (50% DSR)
Upfront cash ≈ HK$45.56M (deposit + AVD stamp duty HK$3,569,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,809
−HK$14,411/mo
▼ 0.25% · 3.875%
HK$236,957
−HK$7,263/mo
Today · 4.125%
HK$244,220
baseline
▲ 0.50% · 4.625%
HK$259,080
+HK$14,860/mo
Deposit HK$33.59M · loan HK$50.39M · min. income ≈ HK$488,440/mo (50% DSR)
Upfront cash ≈ HK$37.16M (deposit + AVD stamp duty HK$3,569,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,660
−HK$13,813/mo
▼ 0.25% · 3.875%
HK$262,517
−HK$6,956/mo
Today · 4.125%
HK$269,473
baseline
▲ 0.50% · 4.625%
HK$283,677
+HK$14,204/mo
Deposit HK$33.59M · loan HK$50.39M · min. income ≈ HK$538,946/mo (50% DSR)
Upfront cash ≈ HK$37.16M (deposit + AVD stamp duty HK$3,569,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,110
−HK$16,813/mo
▼ 0.25% · 3.875%
HK$276,450
−HK$8,473/mo
Today · 4.125%
HK$284,923
baseline
▲ 0.50% · 4.625%
HK$302,260
+HK$17,337/mo
Deposit HK$25.20M · loan HK$58.79M · min. income ≈ HK$569,846/mo (50% DSR)
Upfront cash ≈ HK$28.76M (deposit + AVD stamp duty HK$3,569,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$298,270
−HK$16,115/mo
▼ 0.25% · 3.875%
HK$306,270
−HK$8,115/mo
Today · 4.125%
HK$314,385
baseline
▲ 0.50% · 4.625%
HK$330,956
+HK$16,571/mo
Deposit HK$25.20M · loan HK$58.79M · min. income ≈ HK$628,770/mo (50% DSR)
Upfront cash ≈ HK$28.76M (deposit + AVD stamp duty HK$3,569,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$344,713
−HK$21,617/mo
▼ 0.25% · 3.875%
HK$355,436
−HK$10,894/mo
Today · 4.125%
HK$366,330
baseline
▲ 0.50% · 4.625%
HK$388,620
+HK$22,290/mo
Deposit HK$8.40M · loan HK$75.59M · min. income ≈ HK$732,660/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$3,569,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$383,490
−HK$20,719/mo
▼ 0.25% · 3.875%
HK$393,775
−HK$10,434/mo
Today · 4.125%
HK$404,209
baseline
▲ 0.50% · 4.625%
HK$425,515
+HK$21,306/mo
Deposit HK$8.40M · loan HK$75.59M · min. income ≈ HK$808,418/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$3,569,364 · Scale 2, in force from 26 Feb 2026)