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$207,797
−HK$13,031/mo
▼ 0.25% · 3.875%
HK$214,261
−HK$6,567/mo
Today · 4.125%
HK$220,828
baseline
▲ 0.50% · 4.625%
HK$234,265
+HK$13,437/mo
Deposit HK$45.56M · loan HK$45.56M · min. income ≈ HK$441,656/mo (50% DSR)
Upfront cash ≈ HK$49.44M (deposit + AVD stamp duty HK$3,872,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,172
−HK$12,490/mo
▼ 0.25% · 3.875%
HK$237,372
−HK$6,290/mo
Today · 4.125%
HK$243,662
baseline
▲ 0.50% · 4.625%
HK$256,506
+HK$12,844/mo
Deposit HK$45.56M · loan HK$45.56M · min. income ≈ HK$487,324/mo (50% DSR)
Upfront cash ≈ HK$49.44M (deposit + AVD stamp duty HK$3,872,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,357
−HK$15,637/mo
▼ 0.25% · 3.875%
HK$257,113
−HK$7,881/mo
Today · 4.125%
HK$264,994
baseline
▲ 0.50% · 4.625%
HK$281,118
+HK$16,124/mo
Deposit HK$36.45M · loan HK$54.68M · min. income ≈ HK$529,988/mo (50% DSR)
Upfront cash ≈ HK$40.32M (deposit + AVD stamp duty HK$3,872,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,407
−HK$14,987/mo
▼ 0.25% · 3.875%
HK$284,847
−HK$7,547/mo
Today · 4.125%
HK$292,394
baseline
▲ 0.50% · 4.625%
HK$307,807
+HK$15,413/mo
Deposit HK$36.45M · loan HK$54.68M · min. income ≈ HK$584,788/mo (50% DSR)
Upfront cash ≈ HK$40.32M (deposit + AVD stamp duty HK$3,872,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,916
−HK$18,243/mo
▼ 0.25% · 3.875%
HK$299,965
−HK$9,194/mo
Today · 4.125%
HK$309,159
baseline
▲ 0.50% · 4.625%
HK$327,971
+HK$18,812/mo
Deposit HK$27.34M · loan HK$63.79M · min. income ≈ HK$618,318/mo (50% DSR)
Upfront cash ≈ HK$31.21M (deposit + AVD stamp duty HK$3,872,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,641
−HK$17,486/mo
▼ 0.25% · 3.875%
HK$332,321
−HK$8,806/mo
Today · 4.125%
HK$341,127
baseline
▲ 0.50% · 4.625%
HK$359,108
+HK$17,981/mo
Deposit HK$27.34M · loan HK$63.79M · min. income ≈ HK$682,254/mo (50% DSR)
Upfront cash ≈ HK$31.21M (deposit + AVD stamp duty HK$3,872,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$374,035
−HK$23,455/mo
▼ 0.25% · 3.875%
HK$385,670
−HK$11,820/mo
Today · 4.125%
HK$397,490
baseline
▲ 0.50% · 4.625%
HK$421,677
+HK$24,187/mo
Deposit HK$9.11M · loan HK$82.02M · min. income ≈ HK$794,980/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$3,872,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$416,110
−HK$22,482/mo
▼ 0.25% · 3.875%
HK$427,270
−HK$11,322/mo
Today · 4.125%
HK$438,592
baseline
▲ 0.50% · 4.625%
HK$461,710
+HK$23,118/mo
Deposit HK$9.11M · loan HK$82.02M · min. income ≈ HK$877,184/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$3,872,980 · Scale 2, in force from 26 Feb 2026)