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$190,916
−HK$11,972/mo
▼ 0.25% · 3.875%
HK$196,855
−HK$6,033/mo
Today · 4.125%
HK$202,888
baseline
▲ 0.50% · 4.625%
HK$215,234
+HK$12,346/mo
Deposit HK$41.86M · loan HK$41.86M · min. income ≈ HK$405,776/mo (50% DSR)
Upfront cash ≈ HK$45.42M (deposit + AVD stamp duty HK$3,558,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,392
−HK$11,475/mo
▼ 0.25% · 3.875%
HK$218,089
−HK$5,778/mo
Today · 4.125%
HK$223,867
baseline
▲ 0.50% · 4.625%
HK$235,668
+HK$11,801/mo
Deposit HK$41.86M · loan HK$41.86M · min. income ≈ HK$447,734/mo (50% DSR)
Upfront cash ≈ HK$45.42M (deposit + AVD stamp duty HK$3,558,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,099
−HK$14,367/mo
▼ 0.25% · 3.875%
HK$236,226
−HK$7,240/mo
Today · 4.125%
HK$243,466
baseline
▲ 0.50% · 4.625%
HK$258,280
+HK$14,814/mo
Deposit HK$33.49M · loan HK$50.24M · min. income ≈ HK$486,932/mo (50% DSR)
Upfront cash ≈ HK$37.05M (deposit + AVD stamp duty HK$3,558,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,871
−HK$13,770/mo
▼ 0.25% · 3.875%
HK$261,706
−HK$6,935/mo
Today · 4.125%
HK$268,641
baseline
▲ 0.50% · 4.625%
HK$282,801
+HK$14,160/mo
Deposit HK$33.49M · loan HK$50.24M · min. income ≈ HK$537,282/mo (50% DSR)
Upfront cash ≈ HK$37.05M (deposit + AVD stamp duty HK$3,558,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,283
−HK$16,761/mo
▼ 0.25% · 3.875%
HK$275,597
−HK$8,447/mo
Today · 4.125%
HK$284,044
baseline
▲ 0.50% · 4.625%
HK$301,327
+HK$17,283/mo
Deposit HK$25.12M · loan HK$58.61M · min. income ≈ HK$568,088/mo (50% DSR)
Upfront cash ≈ HK$28.68M (deposit + AVD stamp duty HK$3,558,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,349
−HK$16,065/mo
▼ 0.25% · 3.875%
HK$305,324
−HK$8,090/mo
Today · 4.125%
HK$313,414
baseline
▲ 0.50% · 4.625%
HK$329,935
+HK$16,521/mo
Deposit HK$25.12M · loan HK$58.61M · min. income ≈ HK$626,828/mo (50% DSR)
Upfront cash ≈ HK$28.68M (deposit + AVD stamp duty HK$3,558,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$343,649
−HK$21,550/mo
▼ 0.25% · 3.875%
HK$354,339
−HK$10,860/mo
Today · 4.125%
HK$365,199
baseline
▲ 0.50% · 4.625%
HK$387,421
+HK$22,222/mo
Deposit HK$8.37M · loan HK$75.35M · min. income ≈ HK$730,398/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$3,558,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$382,306
−HK$20,655/mo
▼ 0.25% · 3.875%
HK$392,560
−HK$10,401/mo
Today · 4.125%
HK$402,961
baseline
▲ 0.50% · 4.625%
HK$424,202
+HK$21,241/mo
Deposit HK$8.37M · loan HK$75.35M · min. income ≈ HK$805,922/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$3,558,346 · Scale 2, in force from 26 Feb 2026)