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$194,260
−HK$12,182/mo
▼ 0.25% · 3.875%
HK$200,303
−HK$6,139/mo
Today · 4.125%
HK$206,442
baseline
▲ 0.50% · 4.625%
HK$219,003
+HK$12,561/mo
Deposit HK$42.60M · loan HK$42.60M · min. income ≈ HK$412,884/mo (50% DSR)
Upfront cash ≈ HK$46.22M (deposit + AVD stamp duty HK$3,620,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,112
−HK$11,676/mo
▼ 0.25% · 3.875%
HK$221,908
−HK$5,880/mo
Today · 4.125%
HK$227,788
baseline
▲ 0.50% · 4.625%
HK$239,795
+HK$12,007/mo
Deposit HK$42.60M · loan HK$42.60M · min. income ≈ HK$455,576/mo (50% DSR)
Upfront cash ≈ HK$46.22M (deposit + AVD stamp duty HK$3,620,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,112
−HK$14,618/mo
▼ 0.25% · 3.875%
HK$240,363
−HK$7,367/mo
Today · 4.125%
HK$247,730
baseline
▲ 0.50% · 4.625%
HK$262,804
+HK$15,074/mo
Deposit HK$34.08M · loan HK$51.12M · min. income ≈ HK$495,460/mo (50% DSR)
Upfront cash ≈ HK$37.70M (deposit + AVD stamp duty HK$3,620,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,335
−HK$14,011/mo
▼ 0.25% · 3.875%
HK$266,290
−HK$7,056/mo
Today · 4.125%
HK$273,346
baseline
▲ 0.50% · 4.625%
HK$287,754
+HK$14,408/mo
Deposit HK$34.08M · loan HK$51.12M · min. income ≈ HK$546,692/mo (50% DSR)
Upfront cash ≈ HK$37.70M (deposit + AVD stamp duty HK$3,620,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,964
−HK$17,055/mo
▼ 0.25% · 3.875%
HK$280,424
−HK$8,595/mo
Today · 4.125%
HK$289,019
baseline
▲ 0.50% · 4.625%
HK$306,605
+HK$17,586/mo
Deposit HK$25.56M · loan HK$59.63M · min. income ≈ HK$578,038/mo (50% DSR)
Upfront cash ≈ HK$29.18M (deposit + AVD stamp duty HK$3,620,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$302,557
−HK$16,347/mo
▼ 0.25% · 3.875%
HK$310,672
−HK$8,232/mo
Today · 4.125%
HK$318,904
baseline
▲ 0.50% · 4.625%
HK$335,713
+HK$16,809/mo
Deposit HK$25.56M · loan HK$59.63M · min. income ≈ HK$637,808/mo (50% DSR)
Upfront cash ≈ HK$29.18M (deposit + AVD stamp duty HK$3,620,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$349,668
−HK$21,927/mo
▼ 0.25% · 3.875%
HK$360,545
−HK$11,050/mo
Today · 4.125%
HK$371,595
baseline
▲ 0.50% · 4.625%
HK$394,206
+HK$22,611/mo
Deposit HK$8.52M · loan HK$76.67M · min. income ≈ HK$743,190/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$3,620,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$389,002
−HK$21,017/mo
▼ 0.25% · 3.875%
HK$399,435
−HK$10,584/mo
Today · 4.125%
HK$410,019
baseline
▲ 0.50% · 4.625%
HK$431,632
+HK$21,613/mo
Deposit HK$8.52M · loan HK$76.67M · min. income ≈ HK$820,038/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$3,620,669 · Scale 2, in force from 26 Feb 2026)