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$182,049
−HK$11,416/mo
▼ 0.25% · 3.875%
HK$187,712
−HK$5,753/mo
Today · 4.125%
HK$193,465
baseline
▲ 0.50% · 4.625%
HK$205,237
+HK$11,772/mo
Deposit HK$39.92M · loan HK$39.92M · min. income ≈ HK$386,930/mo (50% DSR)
Upfront cash ≈ HK$43.31M (deposit + AVD stamp duty HK$3,393,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,528
−HK$10,942/mo
▼ 0.25% · 3.875%
HK$207,960
−HK$5,510/mo
Today · 4.125%
HK$213,470
baseline
▲ 0.50% · 4.625%
HK$224,722
+HK$11,252/mo
Deposit HK$39.92M · loan HK$39.92M · min. income ≈ HK$426,940/mo (50% DSR)
Upfront cash ≈ HK$43.31M (deposit + AVD stamp duty HK$3,393,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,459
−HK$13,700/mo
▼ 0.25% · 3.875%
HK$225,255
−HK$6,904/mo
Today · 4.125%
HK$232,159
baseline
▲ 0.50% · 4.625%
HK$246,285
+HK$14,126/mo
Deposit HK$31.93M · loan HK$47.90M · min. income ≈ HK$464,318/mo (50% DSR)
Upfront cash ≈ HK$35.33M (deposit + AVD stamp duty HK$3,393,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,034
−HK$13,130/mo
▼ 0.25% · 3.875%
HK$249,552
−HK$6,612/mo
Today · 4.125%
HK$256,164
baseline
▲ 0.50% · 4.625%
HK$269,667
+HK$13,503/mo
Deposit HK$31.93M · loan HK$47.90M · min. income ≈ HK$512,328/mo (50% DSR)
Upfront cash ≈ HK$35.33M (deposit + AVD stamp duty HK$3,393,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,869
−HK$15,983/mo
▼ 0.25% · 3.875%
HK$262,797
−HK$8,055/mo
Today · 4.125%
HK$270,852
baseline
▲ 0.50% · 4.625%
HK$287,332
+HK$16,480/mo
Deposit HK$23.95M · loan HK$55.89M · min. income ≈ HK$541,704/mo (50% DSR)
Upfront cash ≈ HK$27.34M (deposit + AVD stamp duty HK$3,393,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,539
−HK$15,319/mo
▼ 0.25% · 3.875%
HK$291,144
−HK$7,714/mo
Today · 4.125%
HK$298,858
baseline
▲ 0.50% · 4.625%
HK$314,611
+HK$15,753/mo
Deposit HK$23.95M · loan HK$55.89M · min. income ≈ HK$597,716/mo (50% DSR)
Upfront cash ≈ HK$27.34M (deposit + AVD stamp duty HK$3,393,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$327,689
−HK$20,549/mo
▼ 0.25% · 3.875%
HK$337,882
−HK$10,356/mo
Today · 4.125%
HK$348,238
baseline
▲ 0.50% · 4.625%
HK$369,427
+HK$21,189/mo
Deposit HK$7.98M · loan HK$71.85M · min. income ≈ HK$696,476/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$3,393,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$364,551
−HK$19,695/mo
▼ 0.25% · 3.875%
HK$374,328
−HK$9,918/mo
Today · 4.125%
HK$384,246
baseline
▲ 0.50% · 4.625%
HK$404,500
+HK$20,254/mo
Deposit HK$7.98M · loan HK$71.85M · min. income ≈ HK$768,492/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$3,393,083 · Scale 2, in force from 26 Feb 2026)