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$192,786
−HK$12,089/mo
▼ 0.25% · 3.875%
HK$198,783
−HK$6,092/mo
Today · 4.125%
HK$204,875
baseline
▲ 0.50% · 4.625%
HK$217,341
+HK$12,466/mo
Deposit HK$42.27M · loan HK$42.27M · min. income ≈ HK$409,750/mo (50% DSR)
Upfront cash ≈ HK$45.87M (deposit + AVD stamp duty HK$3,593,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,472
−HK$11,588/mo
▼ 0.25% · 3.875%
HK$220,224
−HK$5,836/mo
Today · 4.125%
HK$226,060
baseline
▲ 0.50% · 4.625%
HK$237,975
+HK$11,915/mo
Deposit HK$42.27M · loan HK$42.27M · min. income ≈ HK$452,120/mo (50% DSR)
Upfront cash ≈ HK$45.87M (deposit + AVD stamp duty HK$3,593,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,343
−HK$14,507/mo
▼ 0.25% · 3.875%
HK$238,539
−HK$7,311/mo
Today · 4.125%
HK$245,850
baseline
▲ 0.50% · 4.625%
HK$260,810
+HK$14,960/mo
Deposit HK$33.82M · loan HK$50.73M · min. income ≈ HK$491,700/mo (50% DSR)
Upfront cash ≈ HK$37.41M (deposit + AVD stamp duty HK$3,593,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,367
−HK$13,904/mo
▼ 0.25% · 3.875%
HK$264,269
−HK$7,002/mo
Today · 4.125%
HK$271,271
baseline
▲ 0.50% · 4.625%
HK$285,571
+HK$14,300/mo
Deposit HK$33.82M · loan HK$50.73M · min. income ≈ HK$542,542/mo (50% DSR)
Upfront cash ≈ HK$37.41M (deposit + AVD stamp duty HK$3,593,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,900
−HK$16,925/mo
▼ 0.25% · 3.875%
HK$278,296
−HK$8,529/mo
Today · 4.125%
HK$286,825
baseline
▲ 0.50% · 4.625%
HK$304,278
+HK$17,453/mo
Deposit HK$25.36M · loan HK$59.18M · min. income ≈ HK$573,650/mo (50% DSR)
Upfront cash ≈ HK$28.96M (deposit + AVD stamp duty HK$3,593,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,261
−HK$16,222/mo
▼ 0.25% · 3.875%
HK$308,314
−HK$8,169/mo
Today · 4.125%
HK$316,483
baseline
▲ 0.50% · 4.625%
HK$333,166
+HK$16,683/mo
Deposit HK$25.36M · loan HK$59.18M · min. income ≈ HK$632,966/mo (50% DSR)
Upfront cash ≈ HK$28.96M (deposit + AVD stamp duty HK$3,593,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$347,015
−HK$21,760/mo
▼ 0.25% · 3.875%
HK$357,809
−HK$10,966/mo
Today · 4.125%
HK$368,775
baseline
▲ 0.50% · 4.625%
HK$391,214
+HK$22,439/mo
Deposit HK$8.45M · loan HK$76.09M · min. income ≈ HK$737,550/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$3,593,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$386,050
−HK$20,857/mo
▼ 0.25% · 3.875%
HK$396,404
−HK$10,503/mo
Today · 4.125%
HK$406,907
baseline
▲ 0.50% · 4.625%
HK$428,356
+HK$21,449/mo
Deposit HK$8.45M · loan HK$76.09M · min. income ≈ HK$813,814/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$3,593,192 · Scale 2, in force from 26 Feb 2026)