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$195,738
−HK$12,275/mo
▼ 0.25% · 3.875%
HK$201,827
−HK$6,186/mo
Today · 4.125%
HK$208,013
baseline
▲ 0.50% · 4.625%
HK$220,670
+HK$12,657/mo
Deposit HK$42.92M · loan HK$42.92M · min. income ≈ HK$416,026/mo (50% DSR)
Upfront cash ≈ HK$46.57M (deposit + AVD stamp duty HK$3,648,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,757
−HK$11,765/mo
▼ 0.25% · 3.875%
HK$223,597
−HK$5,925/mo
Today · 4.125%
HK$229,522
baseline
▲ 0.50% · 4.625%
HK$241,620
+HK$12,098/mo
Deposit HK$42.92M · loan HK$42.92M · min. income ≈ HK$459,044/mo (50% DSR)
Upfront cash ≈ HK$46.57M (deposit + AVD stamp duty HK$3,648,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,886
−HK$14,729/mo
▼ 0.25% · 3.875%
HK$242,192
−HK$7,423/mo
Today · 4.125%
HK$249,615
baseline
▲ 0.50% · 4.625%
HK$264,804
+HK$15,189/mo
Deposit HK$34.34M · loan HK$51.50M · min. income ≈ HK$499,230/mo (50% DSR)
Upfront cash ≈ HK$37.98M (deposit + AVD stamp duty HK$3,648,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,308
−HK$14,118/mo
▼ 0.25% · 3.875%
HK$268,316
−HK$7,110/mo
Today · 4.125%
HK$275,426
baseline
▲ 0.50% · 4.625%
HK$289,944
+HK$14,518/mo
Deposit HK$34.34M · loan HK$51.50M · min. income ≈ HK$550,852/mo (50% DSR)
Upfront cash ≈ HK$37.98M (deposit + AVD stamp duty HK$3,648,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,034
−HK$17,184/mo
▼ 0.25% · 3.875%
HK$282,558
−HK$8,660/mo
Today · 4.125%
HK$291,218
baseline
▲ 0.50% · 4.625%
HK$308,938
+HK$17,720/mo
Deposit HK$25.75M · loan HK$60.09M · min. income ≈ HK$582,436/mo (50% DSR)
Upfront cash ≈ HK$29.40M (deposit + AVD stamp duty HK$3,648,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,860
−HK$16,470/mo
▼ 0.25% · 3.875%
HK$313,036
−HK$8,294/mo
Today · 4.125%
HK$321,330
baseline
▲ 0.50% · 4.625%
HK$338,268
+HK$16,938/mo
Deposit HK$25.75M · loan HK$60.09M · min. income ≈ HK$642,660/mo (50% DSR)
Upfront cash ≈ HK$29.40M (deposit + AVD stamp duty HK$3,648,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,329
−HK$22,094/mo
▼ 0.25% · 3.875%
HK$363,288
−HK$11,135/mo
Today · 4.125%
HK$374,423
baseline
▲ 0.50% · 4.625%
HK$397,206
+HK$22,783/mo
Deposit HK$8.58M · loan HK$77.26M · min. income ≈ HK$748,846/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$3,648,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$391,962
−HK$21,177/mo
▼ 0.25% · 3.875%
HK$402,475
−HK$10,664/mo
Today · 4.125%
HK$413,139
baseline
▲ 0.50% · 4.625%
HK$434,916
+HK$21,777/mo
Deposit HK$8.58M · loan HK$77.26M · min. income ≈ HK$826,278/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$3,648,221 · Scale 2, in force from 26 Feb 2026)