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$188,577
−HK$11,825/mo
▼ 0.25% · 3.875%
HK$194,442
−HK$5,960/mo
Today · 4.125%
HK$200,402
baseline
▲ 0.50% · 4.625%
HK$212,596
+HK$12,194/mo
Deposit HK$41.35M · loan HK$41.35M · min. income ≈ HK$400,804/mo (50% DSR)
Upfront cash ≈ HK$44.86M (deposit + AVD stamp duty HK$3,514,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,790
−HK$11,334/mo
▼ 0.25% · 3.875%
HK$215,416
−HK$5,708/mo
Today · 4.125%
HK$221,124
baseline
▲ 0.50% · 4.625%
HK$232,780
+HK$11,656/mo
Deposit HK$41.35M · loan HK$41.35M · min. income ≈ HK$442,248/mo (50% DSR)
Upfront cash ≈ HK$44.86M (deposit + AVD stamp duty HK$3,514,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,292
−HK$14,190/mo
▼ 0.25% · 3.875%
HK$233,331
−HK$7,151/mo
Today · 4.125%
HK$240,482
baseline
▲ 0.50% · 4.625%
HK$255,115
+HK$14,633/mo
Deposit HK$33.08M · loan HK$49.62M · min. income ≈ HK$480,964/mo (50% DSR)
Upfront cash ≈ HK$36.59M (deposit + AVD stamp duty HK$3,514,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,747
−HK$13,602/mo
▼ 0.25% · 3.875%
HK$258,499
−HK$6,850/mo
Today · 4.125%
HK$265,349
baseline
▲ 0.50% · 4.625%
HK$279,335
+HK$13,986/mo
Deposit HK$33.08M · loan HK$49.62M · min. income ≈ HK$530,698/mo (50% DSR)
Upfront cash ≈ HK$36.59M (deposit + AVD stamp duty HK$3,514,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,007
−HK$16,556/mo
▼ 0.25% · 3.875%
HK$272,219
−HK$8,344/mo
Today · 4.125%
HK$280,563
baseline
▲ 0.50% · 4.625%
HK$297,634
+HK$17,071/mo
Deposit HK$24.81M · loan HK$57.89M · min. income ≈ HK$561,126/mo (50% DSR)
Upfront cash ≈ HK$28.32M (deposit + AVD stamp duty HK$3,514,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,705
−HK$15,868/mo
▼ 0.25% · 3.875%
HK$301,582
−HK$7,991/mo
Today · 4.125%
HK$309,573
baseline
▲ 0.50% · 4.625%
HK$325,891
+HK$16,318/mo
Deposit HK$24.81M · loan HK$57.89M · min. income ≈ HK$619,146/mo (50% DSR)
Upfront cash ≈ HK$28.32M (deposit + AVD stamp duty HK$3,514,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$339,438
−HK$21,286/mo
▼ 0.25% · 3.875%
HK$349,996
−HK$10,728/mo
Today · 4.125%
HK$360,724
baseline
▲ 0.50% · 4.625%
HK$382,673
+HK$21,949/mo
Deposit HK$8.27M · loan HK$74.43M · min. income ≈ HK$721,448/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$3,514,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$377,621
−HK$20,402/mo
▼ 0.25% · 3.875%
HK$387,749
−HK$10,274/mo
Today · 4.125%
HK$398,023
baseline
▲ 0.50% · 4.625%
HK$419,003
+HK$20,980/mo
Deposit HK$8.27M · loan HK$74.43M · min. income ≈ HK$796,046/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$3,514,738 · Scale 2, in force from 26 Feb 2026)