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$180,762
−HK$11,335/mo
▼ 0.25% · 3.875%
HK$186,384
−HK$5,713/mo
Today · 4.125%
HK$192,097
baseline
▲ 0.50% · 4.625%
HK$203,786
+HK$11,689/mo
Deposit HK$39.64M · loan HK$39.64M · min. income ≈ HK$384,194/mo (50% DSR)
Upfront cash ≈ HK$43.01M (deposit + AVD stamp duty HK$3,369,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,096
−HK$10,864/mo
▼ 0.25% · 3.875%
HK$206,489
−HK$5,471/mo
Today · 4.125%
HK$211,960
baseline
▲ 0.50% · 4.625%
HK$223,133
+HK$11,173/mo
Deposit HK$39.64M · loan HK$39.64M · min. income ≈ HK$423,920/mo (50% DSR)
Upfront cash ≈ HK$43.01M (deposit + AVD stamp duty HK$3,369,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,914
−HK$13,602/mo
▼ 0.25% · 3.875%
HK$223,661
−HK$6,855/mo
Today · 4.125%
HK$230,516
baseline
▲ 0.50% · 4.625%
HK$244,543
+HK$14,027/mo
Deposit HK$31.71M · loan HK$47.56M · min. income ≈ HK$461,032/mo (50% DSR)
Upfront cash ≈ HK$35.08M (deposit + AVD stamp duty HK$3,369,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,315
−HK$13,037/mo
▼ 0.25% · 3.875%
HK$247,787
−HK$6,565/mo
Today · 4.125%
HK$254,352
baseline
▲ 0.50% · 4.625%
HK$267,759
+HK$13,407/mo
Deposit HK$31.71M · loan HK$47.56M · min. income ≈ HK$508,704/mo (50% DSR)
Upfront cash ≈ HK$35.08M (deposit + AVD stamp duty HK$3,369,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,066
−HK$15,870/mo
▼ 0.25% · 3.875%
HK$260,938
−HK$7,998/mo
Today · 4.125%
HK$268,936
baseline
▲ 0.50% · 4.625%
HK$285,300
+HK$16,364/mo
Deposit HK$23.78M · loan HK$55.49M · min. income ≈ HK$537,872/mo (50% DSR)
Upfront cash ≈ HK$27.15M (deposit + AVD stamp duty HK$3,369,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,534
−HK$15,210/mo
▼ 0.25% · 3.875%
HK$289,084
−HK$7,660/mo
Today · 4.125%
HK$296,744
baseline
▲ 0.50% · 4.625%
HK$312,386
+HK$15,642/mo
Deposit HK$23.78M · loan HK$55.49M · min. income ≈ HK$593,488/mo (50% DSR)
Upfront cash ≈ HK$27.15M (deposit + AVD stamp duty HK$3,369,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$325,371
−HK$20,404/mo
▼ 0.25% · 3.875%
HK$335,492
−HK$10,283/mo
Today · 4.125%
HK$345,775
baseline
▲ 0.50% · 4.625%
HK$366,814
+HK$21,039/mo
Deposit HK$7.93M · loan HK$71.35M · min. income ≈ HK$691,550/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$3,369,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$361,972
−HK$19,556/mo
▼ 0.25% · 3.875%
HK$371,680
−HK$9,848/mo
Today · 4.125%
HK$381,528
baseline
▲ 0.50% · 4.625%
HK$401,639
+HK$20,111/mo
Deposit HK$7.93M · loan HK$71.35M · min. income ≈ HK$763,056/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$3,369,083 · Scale 2, in force from 26 Feb 2026)