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$185,098
−HK$11,607/mo
▼ 0.25% · 3.875%
HK$190,855
−HK$5,850/mo
Today · 4.125%
HK$196,705
baseline
▲ 0.50% · 4.625%
HK$208,674
+HK$11,969/mo
Deposit HK$40.59M · loan HK$40.59M · min. income ≈ HK$393,410/mo (50% DSR)
Upfront cash ≈ HK$44.04M (deposit + AVD stamp duty HK$3,449,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,920
−HK$11,125/mo
▼ 0.25% · 3.875%
HK$211,442
−HK$5,603/mo
Today · 4.125%
HK$217,045
baseline
▲ 0.50% · 4.625%
HK$228,485
+HK$11,440/mo
Deposit HK$40.59M · loan HK$40.59M · min. income ≈ HK$434,090/mo (50% DSR)
Upfront cash ≈ HK$44.04M (deposit + AVD stamp duty HK$3,449,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,117
−HK$13,929/mo
▼ 0.25% · 3.875%
HK$229,027
−HK$7,019/mo
Today · 4.125%
HK$236,046
baseline
▲ 0.50% · 4.625%
HK$250,409
+HK$14,363/mo
Deposit HK$32.47M · loan HK$48.70M · min. income ≈ HK$472,092/mo (50% DSR)
Upfront cash ≈ HK$35.92M (deposit + AVD stamp duty HK$3,449,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,103
−HK$13,351/mo
▼ 0.25% · 3.875%
HK$253,731
−HK$6,723/mo
Today · 4.125%
HK$260,454
baseline
▲ 0.50% · 4.625%
HK$274,183
+HK$13,729/mo
Deposit HK$32.47M · loan HK$48.70M · min. income ≈ HK$520,908/mo (50% DSR)
Upfront cash ≈ HK$35.92M (deposit + AVD stamp duty HK$3,449,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,137
−HK$16,250/mo
▼ 0.25% · 3.875%
HK$267,198
−HK$8,189/mo
Today · 4.125%
HK$275,387
baseline
▲ 0.50% · 4.625%
HK$292,144
+HK$16,757/mo
Deposit HK$24.35M · loan HK$56.82M · min. income ≈ HK$550,774/mo (50% DSR)
Upfront cash ≈ HK$27.80M (deposit + AVD stamp duty HK$3,449,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$288,287
−HK$15,576/mo
▼ 0.25% · 3.875%
HK$296,019
−HK$7,844/mo
Today · 4.125%
HK$303,863
baseline
▲ 0.50% · 4.625%
HK$319,880
+HK$16,017/mo
Deposit HK$24.35M · loan HK$56.82M · min. income ≈ HK$607,726/mo (50% DSR)
Upfront cash ≈ HK$27.80M (deposit + AVD stamp duty HK$3,449,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$333,176
−HK$20,893/mo
▼ 0.25% · 3.875%
HK$343,540
−HK$10,529/mo
Today · 4.125%
HK$354,069
baseline
▲ 0.50% · 4.625%
HK$375,614
+HK$21,545/mo
Deposit HK$8.12M · loan HK$73.06M · min. income ≈ HK$708,138/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$3,449,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$370,655
−HK$20,025/mo
▼ 0.25% · 3.875%
HK$380,596
−HK$10,084/mo
Today · 4.125%
HK$390,680
baseline
▲ 0.50% · 4.625%
HK$411,274
+HK$20,594/mo
Deposit HK$8.12M · loan HK$73.06M · min. income ≈ HK$781,360/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$3,449,902 · Scale 2, in force from 26 Feb 2026)