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$184,365
−HK$11,561/mo
▼ 0.25% · 3.875%
HK$190,100
−HK$5,826/mo
Today · 4.125%
HK$195,926
baseline
▲ 0.50% · 4.625%
HK$207,848
+HK$11,922/mo
Deposit HK$40.43M · loan HK$40.43M · min. income ≈ HK$391,852/mo (50% DSR)
Upfront cash ≈ HK$43.86M (deposit + AVD stamp duty HK$3,436,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,104
−HK$11,082/mo
▼ 0.25% · 3.875%
HK$210,605
−HK$5,581/mo
Today · 4.125%
HK$216,186
baseline
▲ 0.50% · 4.625%
HK$227,581
+HK$11,395/mo
Deposit HK$40.43M · loan HK$40.43M · min. income ≈ HK$432,372/mo (50% DSR)
Upfront cash ≈ HK$43.86M (deposit + AVD stamp duty HK$3,436,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,238
−HK$13,874/mo
▼ 0.25% · 3.875%
HK$228,120
−HK$6,992/mo
Today · 4.125%
HK$235,112
baseline
▲ 0.50% · 4.625%
HK$249,418
+HK$14,306/mo
Deposit HK$32.34M · loan HK$48.51M · min. income ≈ HK$470,224/mo (50% DSR)
Upfront cash ≈ HK$35.78M (deposit + AVD stamp duty HK$3,436,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,125
−HK$13,298/mo
▼ 0.25% · 3.875%
HK$252,726
−HK$6,697/mo
Today · 4.125%
HK$259,423
baseline
▲ 0.50% · 4.625%
HK$273,097
+HK$13,674/mo
Deposit HK$32.34M · loan HK$48.51M · min. income ≈ HK$518,846/mo (50% DSR)
Upfront cash ≈ HK$35.78M (deposit + AVD stamp duty HK$3,436,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,111
−HK$16,186/mo
▼ 0.25% · 3.875%
HK$266,140
−HK$8,157/mo
Today · 4.125%
HK$274,297
baseline
▲ 0.50% · 4.625%
HK$290,987
+HK$16,690/mo
Deposit HK$24.26M · loan HK$56.60M · min. income ≈ HK$548,594/mo (50% DSR)
Upfront cash ≈ HK$27.69M (deposit + AVD stamp duty HK$3,436,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,146
−HK$15,514/mo
▼ 0.25% · 3.875%
HK$294,847
−HK$7,813/mo
Today · 4.125%
HK$302,660
baseline
▲ 0.50% · 4.625%
HK$318,613
+HK$15,953/mo
Deposit HK$24.26M · loan HK$56.60M · min. income ≈ HK$605,320/mo (50% DSR)
Upfront cash ≈ HK$27.69M (deposit + AVD stamp duty HK$3,436,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$331,857
−HK$20,811/mo
▼ 0.25% · 3.875%
HK$342,180
−HK$10,488/mo
Today · 4.125%
HK$352,668
baseline
▲ 0.50% · 4.625%
HK$374,127
+HK$21,459/mo
Deposit HK$8.09M · loan HK$72.77M · min. income ≈ HK$705,336/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$3,436,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$369,188
−HK$19,946/mo
▼ 0.25% · 3.875%
HK$379,089
−HK$10,045/mo
Today · 4.125%
HK$389,134
baseline
▲ 0.50% · 4.625%
HK$409,646
+HK$20,512/mo
Deposit HK$8.09M · loan HK$72.77M · min. income ≈ HK$778,268/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$3,436,245 · Scale 2, in force from 26 Feb 2026)