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$190,217
−HK$11,929/mo
▼ 0.25% · 3.875%
HK$196,134
−HK$6,012/mo
Today · 4.125%
HK$202,146
baseline
▲ 0.50% · 4.625%
HK$214,446
+HK$12,300/mo
Deposit HK$41.71M · loan HK$41.71M · min. income ≈ HK$404,292/mo (50% DSR)
Upfront cash ≈ HK$45.25M (deposit + AVD stamp duty HK$3,545,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,615
−HK$11,433/mo
▼ 0.25% · 3.875%
HK$217,290
−HK$5,758/mo
Today · 4.125%
HK$223,048
baseline
▲ 0.50% · 4.625%
HK$234,805
+HK$11,757/mo
Deposit HK$41.71M · loan HK$41.71M · min. income ≈ HK$446,096/mo (50% DSR)
Upfront cash ≈ HK$45.25M (deposit + AVD stamp duty HK$3,545,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,261
−HK$14,314/mo
▼ 0.25% · 3.875%
HK$235,361
−HK$7,214/mo
Today · 4.125%
HK$242,575
baseline
▲ 0.50% · 4.625%
HK$257,335
+HK$14,760/mo
Deposit HK$33.37M · loan HK$50.05M · min. income ≈ HK$485,150/mo (50% DSR)
Upfront cash ≈ HK$36.91M (deposit + AVD stamp duty HK$3,545,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,938
−HK$13,719/mo
▼ 0.25% · 3.875%
HK$260,748
−HK$6,909/mo
Today · 4.125%
HK$267,657
baseline
▲ 0.50% · 4.625%
HK$281,766
+HK$14,109/mo
Deposit HK$33.37M · loan HK$50.05M · min. income ≈ HK$535,314/mo (50% DSR)
Upfront cash ≈ HK$36.91M (deposit + AVD stamp duty HK$3,545,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,304
−HK$16,700/mo
▼ 0.25% · 3.875%
HK$274,588
−HK$8,416/mo
Today · 4.125%
HK$283,004
baseline
▲ 0.50% · 4.625%
HK$300,224
+HK$17,220/mo
Deposit HK$25.03M · loan HK$58.39M · min. income ≈ HK$566,008/mo (50% DSR)
Upfront cash ≈ HK$28.57M (deposit + AVD stamp duty HK$3,545,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,261
−HK$16,006/mo
▼ 0.25% · 3.875%
HK$304,206
−HK$8,061/mo
Today · 4.125%
HK$312,267
baseline
▲ 0.50% · 4.625%
HK$328,727
+HK$16,460/mo
Deposit HK$25.03M · loan HK$58.39M · min. income ≈ HK$624,534/mo (50% DSR)
Upfront cash ≈ HK$28.57M (deposit + AVD stamp duty HK$3,545,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$342,391
−HK$21,471/mo
▼ 0.25% · 3.875%
HK$353,042
−HK$10,820/mo
Today · 4.125%
HK$363,862
baseline
▲ 0.50% · 4.625%
HK$386,002
+HK$22,140/mo
Deposit HK$8.34M · loan HK$75.08M · min. income ≈ HK$727,724/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$3,545,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$380,907
−HK$20,579/mo
▼ 0.25% · 3.875%
HK$391,123
−HK$10,363/mo
Today · 4.125%
HK$401,486
baseline
▲ 0.50% · 4.625%
HK$422,649
+HK$21,163/mo
Deposit HK$8.34M · loan HK$75.08M · min. income ≈ HK$802,972/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$3,545,320 · Scale 2, in force from 26 Feb 2026)