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$194,591
−HK$12,202/mo
▼ 0.25% · 3.875%
HK$200,644
−HK$6,149/mo
Today · 4.125%
HK$206,793
baseline
▲ 0.50% · 4.625%
HK$219,376
+HK$12,583/mo
Deposit HK$42.67M · loan HK$42.67M · min. income ≈ HK$413,586/mo (50% DSR)
Upfront cash ≈ HK$46.30M (deposit + AVD stamp duty HK$3,626,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,480
−HK$11,696/mo
▼ 0.25% · 3.875%
HK$222,286
−HK$5,890/mo
Today · 4.125%
HK$228,176
baseline
▲ 0.50% · 4.625%
HK$240,204
+HK$12,028/mo
Deposit HK$42.67M · loan HK$42.67M · min. income ≈ HK$456,352/mo (50% DSR)
Upfront cash ≈ HK$46.30M (deposit + AVD stamp duty HK$3,626,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,509
−HK$14,643/mo
▼ 0.25% · 3.875%
HK$240,773
−HK$7,379/mo
Today · 4.125%
HK$248,152
baseline
▲ 0.50% · 4.625%
HK$263,252
+HK$15,100/mo
Deposit HK$34.13M · loan HK$51.20M · min. income ≈ HK$496,304/mo (50% DSR)
Upfront cash ≈ HK$37.76M (deposit + AVD stamp duty HK$3,626,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,776
−HK$14,035/mo
▼ 0.25% · 3.875%
HK$266,744
−HK$7,067/mo
Today · 4.125%
HK$273,811
baseline
▲ 0.50% · 4.625%
HK$288,244
+HK$14,433/mo
Deposit HK$34.13M · loan HK$51.20M · min. income ≈ HK$547,622/mo (50% DSR)
Upfront cash ≈ HK$37.76M (deposit + AVD stamp duty HK$3,626,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,427
−HK$17,084/mo
▼ 0.25% · 3.875%
HK$280,901
−HK$8,610/mo
Today · 4.125%
HK$289,511
baseline
▲ 0.50% · 4.625%
HK$307,127
+HK$17,616/mo
Deposit HK$25.60M · loan HK$59.74M · min. income ≈ HK$579,022/mo (50% DSR)
Upfront cash ≈ HK$29.23M (deposit + AVD stamp duty HK$3,626,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,073
−HK$16,374/mo
▼ 0.25% · 3.875%
HK$311,201
−HK$8,246/mo
Today · 4.125%
HK$319,447
baseline
▲ 0.50% · 4.625%
HK$336,285
+HK$16,838/mo
Deposit HK$25.60M · loan HK$59.74M · min. income ≈ HK$638,894/mo (50% DSR)
Upfront cash ≈ HK$29.23M (deposit + AVD stamp duty HK$3,626,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$350,264
−HK$21,964/mo
▼ 0.25% · 3.875%
HK$361,159
−HK$11,069/mo
Today · 4.125%
HK$372,228
baseline
▲ 0.50% · 4.625%
HK$394,877
+HK$22,649/mo
Deposit HK$8.53M · loan HK$76.80M · min. income ≈ HK$744,456/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$3,626,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$389,665
−HK$21,052/mo
▼ 0.25% · 3.875%
HK$400,115
−HK$10,602/mo
Today · 4.125%
HK$410,717
baseline
▲ 0.50% · 4.625%
HK$432,367
+HK$21,650/mo
Deposit HK$8.53M · loan HK$76.80M · min. income ≈ HK$821,434/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$3,626,835 · Scale 2, in force from 26 Feb 2026)