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$211,381
−HK$13,256/mo
▼ 0.25% · 3.875%
HK$217,957
−HK$6,680/mo
Today · 4.125%
HK$224,637
baseline
▲ 0.50% · 4.625%
HK$238,305
+HK$13,668/mo
Deposit HK$46.35M · loan HK$46.35M · min. income ≈ HK$449,274/mo (50% DSR)
Upfront cash ≈ HK$50.29M (deposit + AVD stamp duty HK$3,939,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,160
−HK$12,705/mo
▼ 0.25% · 3.875%
HK$241,467
−HK$6,398/mo
Today · 4.125%
HK$247,865
baseline
▲ 0.50% · 4.625%
HK$260,930
+HK$13,065/mo
Deposit HK$46.35M · loan HK$46.35M · min. income ≈ HK$495,730/mo (50% DSR)
Upfront cash ≈ HK$50.29M (deposit + AVD stamp duty HK$3,939,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,658
−HK$15,906/mo
▼ 0.25% · 3.875%
HK$261,548
−HK$8,016/mo
Today · 4.125%
HK$269,564
baseline
▲ 0.50% · 4.625%
HK$285,967
+HK$16,403/mo
Deposit HK$37.08M · loan HK$55.62M · min. income ≈ HK$539,128/mo (50% DSR)
Upfront cash ≈ HK$41.02M (deposit + AVD stamp duty HK$3,939,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,192
−HK$15,246/mo
▼ 0.25% · 3.875%
HK$289,760
−HK$7,678/mo
Today · 4.125%
HK$297,438
baseline
▲ 0.50% · 4.625%
HK$313,116
+HK$15,678/mo
Deposit HK$37.08M · loan HK$55.62M · min. income ≈ HK$594,876/mo (50% DSR)
Upfront cash ≈ HK$41.02M (deposit + AVD stamp duty HK$3,939,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,934
−HK$18,558/mo
▼ 0.25% · 3.875%
HK$305,139
−HK$9,353/mo
Today · 4.125%
HK$314,492
baseline
▲ 0.50% · 4.625%
HK$333,628
+HK$19,136/mo
Deposit HK$27.81M · loan HK$64.89M · min. income ≈ HK$628,984/mo (50% DSR)
Upfront cash ≈ HK$31.75M (deposit + AVD stamp duty HK$3,939,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$329,224
−HK$17,786/mo
▼ 0.25% · 3.875%
HK$338,053
−HK$8,957/mo
Today · 4.125%
HK$347,010
baseline
▲ 0.50% · 4.625%
HK$365,302
+HK$18,292/mo
Deposit HK$27.81M · loan HK$64.89M · min. income ≈ HK$694,020/mo (50% DSR)
Upfront cash ≈ HK$31.75M (deposit + AVD stamp duty HK$3,939,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$380,486
−HK$23,860/mo
▼ 0.25% · 3.875%
HK$392,322
−HK$12,024/mo
Today · 4.125%
HK$404,346
baseline
▲ 0.50% · 4.625%
HK$428,950
+HK$24,604/mo
Deposit HK$9.27M · loan HK$83.43M · min. income ≈ HK$808,692/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$3,939,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$423,287
−HK$22,869/mo
▼ 0.25% · 3.875%
HK$434,640
−HK$11,516/mo
Today · 4.125%
HK$446,156
baseline
▲ 0.50% · 4.625%
HK$469,674
+HK$23,518/mo
Deposit HK$9.27M · loan HK$83.43M · min. income ≈ HK$892,312/mo (50% DSR)
Upfront cash ≈ HK$13.21M (deposit + AVD stamp duty HK$3,939,780 · Scale 2, in force from 26 Feb 2026)