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$192,627
−HK$12,079/mo
▼ 0.25% · 3.875%
HK$198,618
−HK$6,088/mo
Today · 4.125%
HK$204,706
baseline
▲ 0.50% · 4.625%
HK$217,162
+HK$12,456/mo
Deposit HK$42.24M · loan HK$42.24M · min. income ≈ HK$409,412/mo (50% DSR)
Upfront cash ≈ HK$45.83M (deposit + AVD stamp duty HK$3,590,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,295
−HK$11,578/mo
▼ 0.25% · 3.875%
HK$220,042
−HK$5,831/mo
Today · 4.125%
HK$225,873
baseline
▲ 0.50% · 4.625%
HK$237,779
+HK$11,906/mo
Deposit HK$42.24M · loan HK$42.24M · min. income ≈ HK$451,746/mo (50% DSR)
Upfront cash ≈ HK$45.83M (deposit + AVD stamp duty HK$3,590,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,152
−HK$14,495/mo
▼ 0.25% · 3.875%
HK$238,342
−HK$7,305/mo
Today · 4.125%
HK$245,647
baseline
▲ 0.50% · 4.625%
HK$260,594
+HK$14,947/mo
Deposit HK$33.79M · loan HK$50.69M · min. income ≈ HK$491,294/mo (50% DSR)
Upfront cash ≈ HK$37.38M (deposit + AVD stamp duty HK$3,590,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,154
−HK$13,893/mo
▼ 0.25% · 3.875%
HK$264,051
−HK$6,996/mo
Today · 4.125%
HK$271,047
baseline
▲ 0.50% · 4.625%
HK$285,335
+HK$14,288/mo
Deposit HK$33.79M · loan HK$50.69M · min. income ≈ HK$542,094/mo (50% DSR)
Upfront cash ≈ HK$37.38M (deposit + AVD stamp duty HK$3,590,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,677
−HK$16,911/mo
▼ 0.25% · 3.875%
HK$278,066
−HK$8,522/mo
Today · 4.125%
HK$286,588
baseline
▲ 0.50% · 4.625%
HK$304,027
+HK$17,439/mo
Deposit HK$25.34M · loan HK$59.13M · min. income ≈ HK$573,176/mo (50% DSR)
Upfront cash ≈ HK$28.93M (deposit + AVD stamp duty HK$3,590,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,013
−HK$16,209/mo
▼ 0.25% · 3.875%
HK$308,059
−HK$8,163/mo
Today · 4.125%
HK$316,222
baseline
▲ 0.50% · 4.625%
HK$332,890
+HK$16,668/mo
Deposit HK$25.34M · loan HK$59.13M · min. income ≈ HK$632,444/mo (50% DSR)
Upfront cash ≈ HK$28.93M (deposit + AVD stamp duty HK$3,590,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$346,728
−HK$21,743/mo
▼ 0.25% · 3.875%
HK$357,513
−HK$10,958/mo
Today · 4.125%
HK$368,471
baseline
▲ 0.50% · 4.625%
HK$390,891
+HK$22,420/mo
Deposit HK$8.45M · loan HK$76.03M · min. income ≈ HK$736,942/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$3,590,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$385,731
−HK$20,840/mo
▼ 0.25% · 3.875%
HK$396,076
−HK$10,495/mo
Today · 4.125%
HK$406,571
baseline
▲ 0.50% · 4.625%
HK$428,002
+HK$21,431/mo
Deposit HK$8.45M · loan HK$76.03M · min. income ≈ HK$813,142/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$3,590,223 · Scale 2, in force from 26 Feb 2026)