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$187,998
−HK$11,789/mo
▼ 0.25% · 3.875%
HK$193,846
−HK$5,941/mo
Today · 4.125%
HK$199,787
baseline
▲ 0.50% · 4.625%
HK$211,944
+HK$12,157/mo
Deposit HK$41.22M · loan HK$41.22M · min. income ≈ HK$399,574/mo (50% DSR)
Upfront cash ≈ HK$44.73M (deposit + AVD stamp duty HK$3,503,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,146
−HK$11,299/mo
▼ 0.25% · 3.875%
HK$214,755
−HK$5,690/mo
Today · 4.125%
HK$220,445
baseline
▲ 0.50% · 4.625%
HK$232,065
+HK$11,620/mo
Deposit HK$41.22M · loan HK$41.22M · min. income ≈ HK$440,890/mo (50% DSR)
Upfront cash ≈ HK$44.73M (deposit + AVD stamp duty HK$3,503,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,597
−HK$14,147/mo
▼ 0.25% · 3.875%
HK$232,615
−HK$7,129/mo
Today · 4.125%
HK$239,744
baseline
▲ 0.50% · 4.625%
HK$254,332
+HK$14,588/mo
Deposit HK$32.98M · loan HK$49.47M · min. income ≈ HK$479,488/mo (50% DSR)
Upfront cash ≈ HK$36.48M (deposit + AVD stamp duty HK$3,503,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,975
−HK$13,559/mo
▼ 0.25% · 3.875%
HK$257,706
−HK$6,828/mo
Today · 4.125%
HK$264,534
baseline
▲ 0.50% · 4.625%
HK$278,478
+HK$13,944/mo
Deposit HK$32.98M · loan HK$49.47M · min. income ≈ HK$529,068/mo (50% DSR)
Upfront cash ≈ HK$36.48M (deposit + AVD stamp duty HK$3,503,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,197
−HK$16,505/mo
▼ 0.25% · 3.875%
HK$271,384
−HK$8,318/mo
Today · 4.125%
HK$279,702
baseline
▲ 0.50% · 4.625%
HK$296,721
+HK$17,019/mo
Deposit HK$24.73M · loan HK$57.71M · min. income ≈ HK$559,404/mo (50% DSR)
Upfront cash ≈ HK$28.24M (deposit + AVD stamp duty HK$3,503,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,804
−HK$15,819/mo
▼ 0.25% · 3.875%
HK$300,657
−HK$7,966/mo
Today · 4.125%
HK$308,623
baseline
▲ 0.50% · 4.625%
HK$324,891
+HK$16,268/mo
Deposit HK$24.73M · loan HK$57.71M · min. income ≈ HK$617,246/mo (50% DSR)
Upfront cash ≈ HK$28.24M (deposit + AVD stamp duty HK$3,503,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$338,396
−HK$21,221/mo
▼ 0.25% · 3.875%
HK$348,922
−HK$10,695/mo
Today · 4.125%
HK$359,617
baseline
▲ 0.50% · 4.625%
HK$381,498
+HK$21,881/mo
Deposit HK$8.24M · loan HK$74.20M · min. income ≈ HK$719,234/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$3,503,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$376,462
−HK$20,339/mo
▼ 0.25% · 3.875%
HK$386,559
−HK$10,242/mo
Today · 4.125%
HK$396,801
baseline
▲ 0.50% · 4.625%
HK$417,717
+HK$20,916/mo
Deposit HK$8.24M · loan HK$74.20M · min. income ≈ HK$793,602/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$3,503,952 · Scale 2, in force from 26 Feb 2026)