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$188,861
−HK$11,843/mo
▼ 0.25% · 3.875%
HK$194,736
−HK$5,968/mo
Today · 4.125%
HK$200,704
baseline
▲ 0.50% · 4.625%
HK$212,916
+HK$12,212/mo
Deposit HK$41.41M · loan HK$41.41M · min. income ≈ HK$401,408/mo (50% DSR)
Upfront cash ≈ HK$44.93M (deposit + AVD stamp duty HK$3,520,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,106
−HK$11,351/mo
▼ 0.25% · 3.875%
HK$215,741
−HK$5,716/mo
Today · 4.125%
HK$221,457
baseline
▲ 0.50% · 4.625%
HK$233,130
+HK$11,673/mo
Deposit HK$41.41M · loan HK$41.41M · min. income ≈ HK$442,914/mo (50% DSR)
Upfront cash ≈ HK$44.93M (deposit + AVD stamp duty HK$3,520,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,633
−HK$14,212/mo
▼ 0.25% · 3.875%
HK$233,683
−HK$7,162/mo
Today · 4.125%
HK$240,845
baseline
▲ 0.50% · 4.625%
HK$255,500
+HK$14,655/mo
Deposit HK$33.13M · loan HK$49.69M · min. income ≈ HK$481,690/mo (50% DSR)
Upfront cash ≈ HK$36.65M (deposit + AVD stamp duty HK$3,520,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,127
−HK$13,622/mo
▼ 0.25% · 3.875%
HK$258,889
−HK$6,860/mo
Today · 4.125%
HK$265,749
baseline
▲ 0.50% · 4.625%
HK$279,757
+HK$14,008/mo
Deposit HK$33.13M · loan HK$49.69M · min. income ≈ HK$531,498/mo (50% DSR)
Upfront cash ≈ HK$36.65M (deposit + AVD stamp duty HK$3,520,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,405
−HK$16,581/mo
▼ 0.25% · 3.875%
HK$272,630
−HK$8,356/mo
Today · 4.125%
HK$280,986
baseline
▲ 0.50% · 4.625%
HK$298,083
+HK$17,097/mo
Deposit HK$24.85M · loan HK$57.98M · min. income ≈ HK$561,972/mo (50% DSR)
Upfront cash ≈ HK$28.37M (deposit + AVD stamp duty HK$3,520,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,148
−HK$15,892/mo
▼ 0.25% · 3.875%
HK$302,037
−HK$8,003/mo
Today · 4.125%
HK$310,040
baseline
▲ 0.50% · 4.625%
HK$326,383
+HK$16,343/mo
Deposit HK$24.85M · loan HK$57.98M · min. income ≈ HK$620,080/mo (50% DSR)
Upfront cash ≈ HK$28.37M (deposit + AVD stamp duty HK$3,520,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$339,950
−HK$21,317/mo
▼ 0.25% · 3.875%
HK$350,524
−HK$10,743/mo
Today · 4.125%
HK$361,267
baseline
▲ 0.50% · 4.625%
HK$383,250
+HK$21,983/mo
Deposit HK$8.28M · loan HK$74.54M · min. income ≈ HK$722,534/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$3,520,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$378,190
−HK$20,433/mo
▼ 0.25% · 3.875%
HK$388,333
−HK$10,290/mo
Today · 4.125%
HK$398,623
baseline
▲ 0.50% · 4.625%
HK$419,635
+HK$21,012/mo
Deposit HK$8.28M · loan HK$74.54M · min. income ≈ HK$797,246/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$3,520,037 · Scale 2, in force from 26 Feb 2026)