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$198,722
−HK$12,462/mo
▼ 0.25% · 3.875%
HK$204,904
−HK$6,280/mo
Today · 4.125%
HK$211,184
baseline
▲ 0.50% · 4.625%
HK$224,034
+HK$12,850/mo
Deposit HK$43.57M · loan HK$43.57M · min. income ≈ HK$422,368/mo (50% DSR)
Upfront cash ≈ HK$47.28M (deposit + AVD stamp duty HK$3,703,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,077
−HK$11,944/mo
▼ 0.25% · 3.875%
HK$227,006
−HK$6,015/mo
Today · 4.125%
HK$233,021
baseline
▲ 0.50% · 4.625%
HK$245,303
+HK$12,282/mo
Deposit HK$43.57M · loan HK$43.57M · min. income ≈ HK$466,042/mo (50% DSR)
Upfront cash ≈ HK$47.28M (deposit + AVD stamp duty HK$3,703,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,467
−HK$14,954/mo
▼ 0.25% · 3.875%
HK$245,884
−HK$7,537/mo
Today · 4.125%
HK$253,421
baseline
▲ 0.50% · 4.625%
HK$268,841
+HK$15,420/mo
Deposit HK$34.86M · loan HK$52.29M · min. income ≈ HK$506,842/mo (50% DSR)
Upfront cash ≈ HK$38.56M (deposit + AVD stamp duty HK$3,703,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,292
−HK$14,333/mo
▼ 0.25% · 3.875%
HK$272,407
−HK$7,218/mo
Today · 4.125%
HK$279,625
baseline
▲ 0.50% · 4.625%
HK$294,364
+HK$14,739/mo
Deposit HK$34.86M · loan HK$52.29M · min. income ≈ HK$559,250/mo (50% DSR)
Upfront cash ≈ HK$38.56M (deposit + AVD stamp duty HK$3,703,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,211
−HK$17,447/mo
▼ 0.25% · 3.875%
HK$286,865
−HK$8,793/mo
Today · 4.125%
HK$295,658
baseline
▲ 0.50% · 4.625%
HK$313,648
+HK$17,990/mo
Deposit HK$26.14M · loan HK$61.00M · min. income ≈ HK$591,316/mo (50% DSR)
Upfront cash ≈ HK$29.85M (deposit + AVD stamp duty HK$3,703,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,507
−HK$16,722/mo
▼ 0.25% · 3.875%
HK$317,808
−HK$8,421/mo
Today · 4.125%
HK$326,229
baseline
▲ 0.50% · 4.625%
HK$343,425
+HK$17,196/mo
Deposit HK$26.14M · loan HK$61.00M · min. income ≈ HK$652,458/mo (50% DSR)
Upfront cash ≈ HK$29.85M (deposit + AVD stamp duty HK$3,703,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$357,700
−HK$22,431/mo
▼ 0.25% · 3.875%
HK$368,827
−HK$11,304/mo
Today · 4.125%
HK$380,131
baseline
▲ 0.50% · 4.625%
HK$403,261
+HK$23,130/mo
Deposit HK$8.71M · loan HK$78.43M · min. income ≈ HK$760,262/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$3,703,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$397,938
−HK$21,499/mo
▼ 0.25% · 3.875%
HK$408,610
−HK$10,827/mo
Today · 4.125%
HK$419,437
baseline
▲ 0.50% · 4.625%
HK$441,546
+HK$22,109/mo
Deposit HK$8.71M · loan HK$78.43M · min. income ≈ HK$838,874/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$3,703,837 · Scale 2, in force from 26 Feb 2026)