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$180,035
−HK$11,290/mo
▼ 0.25% · 3.875%
HK$185,635
−HK$5,690/mo
Today · 4.125%
HK$191,325
baseline
▲ 0.50% · 4.625%
HK$202,966
+HK$11,641/mo
Deposit HK$39.48M · loan HK$39.48M · min. income ≈ HK$382,650/mo (50% DSR)
Upfront cash ≈ HK$42.83M (deposit + AVD stamp duty HK$3,355,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,287
−HK$10,821/mo
▼ 0.25% · 3.875%
HK$205,659
−HK$5,449/mo
Today · 4.125%
HK$211,108
baseline
▲ 0.50% · 4.625%
HK$222,236
+HK$11,128/mo
Deposit HK$39.48M · loan HK$39.48M · min. income ≈ HK$422,216/mo (50% DSR)
Upfront cash ≈ HK$42.83M (deposit + AVD stamp duty HK$3,355,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,042
−HK$13,548/mo
▼ 0.25% · 3.875%
HK$222,762
−HK$6,828/mo
Today · 4.125%
HK$229,590
baseline
▲ 0.50% · 4.625%
HK$243,560
+HK$13,970/mo
Deposit HK$31.58M · loan HK$47.37M · min. income ≈ HK$459,180/mo (50% DSR)
Upfront cash ≈ HK$34.94M (deposit + AVD stamp duty HK$3,355,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,345
−HK$12,985/mo
▼ 0.25% · 3.875%
HK$246,790
−HK$6,540/mo
Today · 4.125%
HK$253,330
baseline
▲ 0.50% · 4.625%
HK$266,683
+HK$13,353/mo
Deposit HK$31.58M · loan HK$47.37M · min. income ≈ HK$506,660/mo (50% DSR)
Upfront cash ≈ HK$34.94M (deposit + AVD stamp duty HK$3,355,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,049
−HK$15,806/mo
▼ 0.25% · 3.875%
HK$259,889
−HK$7,966/mo
Today · 4.125%
HK$267,855
baseline
▲ 0.50% · 4.625%
HK$284,153
+HK$16,298/mo
Deposit HK$23.69M · loan HK$55.27M · min. income ≈ HK$535,710/mo (50% DSR)
Upfront cash ≈ HK$27.04M (deposit + AVD stamp duty HK$3,355,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,402
−HK$15,149/mo
▼ 0.25% · 3.875%
HK$287,922
−HK$7,629/mo
Today · 4.125%
HK$295,551
baseline
▲ 0.50% · 4.625%
HK$311,130
+HK$15,579/mo
Deposit HK$23.69M · loan HK$55.27M · min. income ≈ HK$591,102/mo (50% DSR)
Upfront cash ≈ HK$27.04M (deposit + AVD stamp duty HK$3,355,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$324,063
−HK$20,322/mo
▼ 0.25% · 3.875%
HK$334,143
−HK$10,242/mo
Today · 4.125%
HK$344,385
baseline
▲ 0.50% · 4.625%
HK$365,340
+HK$20,955/mo
Deposit HK$7.90M · loan HK$71.06M · min. income ≈ HK$688,770/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$3,355,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$360,517
−HK$19,477/mo
▼ 0.25% · 3.875%
HK$370,186
−HK$9,808/mo
Today · 4.125%
HK$379,994
baseline
▲ 0.50% · 4.625%
HK$400,024
+HK$20,030/mo
Deposit HK$7.90M · loan HK$71.06M · min. income ≈ HK$759,988/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$3,355,538 · Scale 2, in force from 26 Feb 2026)