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$189,222
−HK$11,866/mo
▼ 0.25% · 3.875%
HK$195,108
−HK$5,980/mo
Today · 4.125%
HK$201,088
baseline
▲ 0.50% · 4.625%
HK$213,324
+HK$12,236/mo
Deposit HK$41.49M · loan HK$41.49M · min. income ≈ HK$402,176/mo (50% DSR)
Upfront cash ≈ HK$45.02M (deposit + AVD stamp duty HK$3,526,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,508
−HK$11,373/mo
▼ 0.25% · 3.875%
HK$216,153
−HK$5,728/mo
Today · 4.125%
HK$221,881
baseline
▲ 0.50% · 4.625%
HK$233,576
+HK$11,695/mo
Deposit HK$41.49M · loan HK$41.49M · min. income ≈ HK$443,762/mo (50% DSR)
Upfront cash ≈ HK$45.02M (deposit + AVD stamp duty HK$3,526,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,066
−HK$14,239/mo
▼ 0.25% · 3.875%
HK$234,129
−HK$7,176/mo
Today · 4.125%
HK$241,305
baseline
▲ 0.50% · 4.625%
HK$255,988
+HK$14,683/mo
Deposit HK$33.19M · loan HK$49.79M · min. income ≈ HK$482,610/mo (50% DSR)
Upfront cash ≈ HK$36.72M (deposit + AVD stamp duty HK$3,526,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,609
−HK$13,648/mo
▼ 0.25% · 3.875%
HK$259,384
−HK$6,873/mo
Today · 4.125%
HK$266,257
baseline
▲ 0.50% · 4.625%
HK$280,292
+HK$14,035/mo
Deposit HK$33.19M · loan HK$49.79M · min. income ≈ HK$532,514/mo (50% DSR)
Upfront cash ≈ HK$36.72M (deposit + AVD stamp duty HK$3,526,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,911
−HK$16,612/mo
▼ 0.25% · 3.875%
HK$273,151
−HK$8,372/mo
Today · 4.125%
HK$281,523
baseline
▲ 0.50% · 4.625%
HK$298,653
+HK$17,130/mo
Deposit HK$24.89M · loan HK$58.09M · min. income ≈ HK$563,046/mo (50% DSR)
Upfront cash ≈ HK$28.42M (deposit + AVD stamp duty HK$3,526,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,711
−HK$15,922/mo
▼ 0.25% · 3.875%
HK$302,615
−HK$8,018/mo
Today · 4.125%
HK$310,633
baseline
▲ 0.50% · 4.625%
HK$327,007
+HK$16,374/mo
Deposit HK$24.89M · loan HK$58.09M · min. income ≈ HK$621,266/mo (50% DSR)
Upfront cash ≈ HK$28.42M (deposit + AVD stamp duty HK$3,526,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$340,600
−HK$21,358/mo
▼ 0.25% · 3.875%
HK$351,194
−HK$10,764/mo
Today · 4.125%
HK$361,958
baseline
▲ 0.50% · 4.625%
HK$383,982
+HK$22,024/mo
Deposit HK$8.30M · loan HK$74.68M · min. income ≈ HK$723,916/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$3,526,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$378,914
−HK$20,471/mo
▼ 0.25% · 3.875%
HK$389,076
−HK$10,309/mo
Today · 4.125%
HK$399,385
baseline
▲ 0.50% · 4.625%
HK$420,437
+HK$21,052/mo
Deposit HK$8.30M · loan HK$74.68M · min. income ≈ HK$798,770/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$3,526,768 · Scale 2, in force from 26 Feb 2026)