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$180,562
−HK$11,323/mo
▼ 0.25% · 3.875%
HK$186,179
−HK$5,706/mo
Today · 4.125%
HK$191,885
baseline
▲ 0.50% · 4.625%
HK$203,561
+HK$11,676/mo
Deposit HK$39.59M · loan HK$39.59M · min. income ≈ HK$383,770/mo (50% DSR)
Upfront cash ≈ HK$42.96M (deposit + AVD stamp duty HK$3,365,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,874
−HK$10,852/mo
▼ 0.25% · 3.875%
HK$206,261
−HK$5,465/mo
Today · 4.125%
HK$211,726
baseline
▲ 0.50% · 4.625%
HK$222,887
+HK$11,161/mo
Deposit HK$39.59M · loan HK$39.59M · min. income ≈ HK$423,452/mo (50% DSR)
Upfront cash ≈ HK$42.96M (deposit + AVD stamp duty HK$3,365,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,675
−HK$13,587/mo
▼ 0.25% · 3.875%
HK$223,414
−HK$6,848/mo
Today · 4.125%
HK$230,262
baseline
▲ 0.50% · 4.625%
HK$244,273
+HK$14,011/mo
Deposit HK$31.67M · loan HK$47.51M · min. income ≈ HK$460,524/mo (50% DSR)
Upfront cash ≈ HK$35.04M (deposit + AVD stamp duty HK$3,365,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,048
−HK$13,023/mo
▼ 0.25% · 3.875%
HK$247,513
−HK$6,558/mo
Today · 4.125%
HK$254,071
baseline
▲ 0.50% · 4.625%
HK$267,464
+HK$13,393/mo
Deposit HK$31.67M · loan HK$47.51M · min. income ≈ HK$508,142/mo (50% DSR)
Upfront cash ≈ HK$35.04M (deposit + AVD stamp duty HK$3,365,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,787
−HK$15,852/mo
▼ 0.25% · 3.875%
HK$260,650
−HK$7,989/mo
Today · 4.125%
HK$268,639
baseline
▲ 0.50% · 4.625%
HK$284,985
+HK$16,346/mo
Deposit HK$23.76M · loan HK$55.43M · min. income ≈ HK$537,278/mo (50% DSR)
Upfront cash ≈ HK$27.12M (deposit + AVD stamp duty HK$3,365,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,223
−HK$15,194/mo
▼ 0.25% · 3.875%
HK$288,765
−HK$7,652/mo
Today · 4.125%
HK$296,417
baseline
▲ 0.50% · 4.625%
HK$312,041
+HK$15,624/mo
Deposit HK$23.76M · loan HK$55.43M · min. income ≈ HK$592,834/mo (50% DSR)
Upfront cash ≈ HK$27.12M (deposit + AVD stamp duty HK$3,365,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$325,012
−HK$20,381/mo
▼ 0.25% · 3.875%
HK$335,122
−HK$10,271/mo
Today · 4.125%
HK$345,393
baseline
▲ 0.50% · 4.625%
HK$366,409
+HK$21,016/mo
Deposit HK$7.92M · loan HK$71.27M · min. income ≈ HK$690,786/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$3,365,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$361,572
−HK$19,535/mo
▼ 0.25% · 3.875%
HK$371,270
−HK$9,837/mo
Today · 4.125%
HK$381,107
baseline
▲ 0.50% · 4.625%
HK$401,196
+HK$20,089/mo
Deposit HK$7.92M · loan HK$71.27M · min. income ≈ HK$762,214/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$3,365,364 · Scale 2, in force from 26 Feb 2026)