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$182,571
−HK$11,449/mo
▼ 0.25% · 3.875%
HK$188,250
−HK$5,770/mo
Today · 4.125%
HK$194,020
baseline
▲ 0.50% · 4.625%
HK$205,825
+HK$11,805/mo
Deposit HK$40.03M · loan HK$40.03M · min. income ≈ HK$388,040/mo (50% DSR)
Upfront cash ≈ HK$43.44M (deposit + AVD stamp duty HK$3,402,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,108
−HK$10,973/mo
▼ 0.25% · 3.875%
HK$208,555
−HK$5,526/mo
Today · 4.125%
HK$214,081
baseline
▲ 0.50% · 4.625%
HK$225,366
+HK$11,285/mo
Deposit HK$40.03M · loan HK$40.03M · min. income ≈ HK$428,162/mo (50% DSR)
Upfront cash ≈ HK$43.44M (deposit + AVD stamp duty HK$3,402,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,085
−HK$13,738/mo
▼ 0.25% · 3.875%
HK$225,900
−HK$6,923/mo
Today · 4.125%
HK$232,823
baseline
▲ 0.50% · 4.625%
HK$246,990
+HK$14,167/mo
Deposit HK$32.03M · loan HK$48.04M · min. income ≈ HK$465,646/mo (50% DSR)
Upfront cash ≈ HK$35.43M (deposit + AVD stamp duty HK$3,402,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,730
−HK$13,168/mo
▼ 0.25% · 3.875%
HK$250,266
−HK$6,632/mo
Today · 4.125%
HK$256,898
baseline
▲ 0.50% · 4.625%
HK$270,439
+HK$13,541/mo
Deposit HK$32.03M · loan HK$48.04M · min. income ≈ HK$513,796/mo (50% DSR)
Upfront cash ≈ HK$35.43M (deposit + AVD stamp duty HK$3,402,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,599
−HK$16,028/mo
▼ 0.25% · 3.875%
HK$263,550
−HK$8,077/mo
Today · 4.125%
HK$271,627
baseline
▲ 0.50% · 4.625%
HK$288,155
+HK$16,528/mo
Deposit HK$24.02M · loan HK$56.05M · min. income ≈ HK$543,254/mo (50% DSR)
Upfront cash ≈ HK$27.42M (deposit + AVD stamp duty HK$3,402,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,351
−HK$15,363/mo
▼ 0.25% · 3.875%
HK$291,978
−HK$7,736/mo
Today · 4.125%
HK$299,714
baseline
▲ 0.50% · 4.625%
HK$315,512
+HK$15,798/mo
Deposit HK$24.02M · loan HK$56.05M · min. income ≈ HK$599,428/mo (50% DSR)
Upfront cash ≈ HK$27.42M (deposit + AVD stamp duty HK$3,402,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,627
−HK$20,608/mo
▼ 0.25% · 3.875%
HK$338,850
−HK$10,385/mo
Today · 4.125%
HK$349,235
baseline
▲ 0.50% · 4.625%
HK$370,485
+HK$21,250/mo
Deposit HK$8.01M · loan HK$72.06M · min. income ≈ HK$698,470/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$3,402,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$365,595
−HK$19,752/mo
▼ 0.25% · 3.875%
HK$375,400
−HK$9,947/mo
Today · 4.125%
HK$385,347
baseline
▲ 0.50% · 4.625%
HK$405,659
+HK$20,312/mo
Deposit HK$8.01M · loan HK$72.06M · min. income ≈ HK$770,694/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$3,402,801 · Scale 2, in force from 26 Feb 2026)