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$196,375
−HK$12,315/mo
▼ 0.25% · 3.875%
HK$202,484
−HK$6,206/mo
Today · 4.125%
HK$208,690
baseline
▲ 0.50% · 4.625%
HK$221,388
+HK$12,698/mo
Deposit HK$43.06M · loan HK$43.06M · min. income ≈ HK$417,380/mo (50% DSR)
Upfront cash ≈ HK$46.72M (deposit + AVD stamp duty HK$3,660,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,466
−HK$11,803/mo
▼ 0.25% · 3.875%
HK$224,325
−HK$5,944/mo
Today · 4.125%
HK$230,269
baseline
▲ 0.50% · 4.625%
HK$242,406
+HK$12,137/mo
Deposit HK$43.06M · loan HK$43.06M · min. income ≈ HK$460,538/mo (50% DSR)
Upfront cash ≈ HK$46.72M (deposit + AVD stamp duty HK$3,660,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,650
−HK$14,778/mo
▼ 0.25% · 3.875%
HK$242,980
−HK$7,448/mo
Today · 4.125%
HK$250,428
baseline
▲ 0.50% · 4.625%
HK$265,666
+HK$15,238/mo
Deposit HK$34.45M · loan HK$51.67M · min. income ≈ HK$500,856/mo (50% DSR)
Upfront cash ≈ HK$38.11M (deposit + AVD stamp duty HK$3,660,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,159
−HK$14,163/mo
▼ 0.25% · 3.875%
HK$269,190
−HK$7,132/mo
Today · 4.125%
HK$276,322
baseline
▲ 0.50% · 4.625%
HK$290,888
+HK$14,566/mo
Deposit HK$34.45M · loan HK$51.67M · min. income ≈ HK$552,644/mo (50% DSR)
Upfront cash ≈ HK$38.11M (deposit + AVD stamp duty HK$3,660,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,925
−HK$17,241/mo
▼ 0.25% · 3.875%
HK$283,477
−HK$8,689/mo
Today · 4.125%
HK$292,166
baseline
▲ 0.50% · 4.625%
HK$309,943
+HK$17,777/mo
Deposit HK$25.84M · loan HK$60.28M · min. income ≈ HK$584,332/mo (50% DSR)
Upfront cash ≈ HK$29.50M (deposit + AVD stamp duty HK$3,660,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,852
−HK$16,524/mo
▼ 0.25% · 3.875%
HK$314,055
−HK$8,321/mo
Today · 4.125%
HK$322,376
baseline
▲ 0.50% · 4.625%
HK$339,369
+HK$16,993/mo
Deposit HK$25.84M · loan HK$60.28M · min. income ≈ HK$644,752/mo (50% DSR)
Upfront cash ≈ HK$29.50M (deposit + AVD stamp duty HK$3,660,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$353,476
−HK$22,166/mo
▼ 0.25% · 3.875%
HK$364,471
−HK$11,171/mo
Today · 4.125%
HK$375,642
baseline
▲ 0.50% · 4.625%
HK$398,499
+HK$22,857/mo
Deposit HK$8.61M · loan HK$77.51M · min. income ≈ HK$751,284/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$3,660,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$393,238
−HK$21,245/mo
▼ 0.25% · 3.875%
HK$403,785
−HK$10,698/mo
Today · 4.125%
HK$414,483
baseline
▲ 0.50% · 4.625%
HK$436,331
+HK$21,848/mo
Deposit HK$8.61M · loan HK$77.51M · min. income ≈ HK$828,966/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$3,660,094 · Scale 2, in force from 26 Feb 2026)