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$228,175
−HK$14,309/mo
▼ 0.25% · 3.875%
HK$235,273
−HK$7,211/mo
Today · 4.125%
HK$242,484
baseline
▲ 0.50% · 4.625%
HK$257,238
+HK$14,754/mo
Deposit HK$50.03M · loan HK$50.03M · min. income ≈ HK$484,968/mo (50% DSR)
Upfront cash ≈ HK$54.30M (deposit + AVD stamp duty HK$4,269,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,843
−HK$13,714/mo
▼ 0.25% · 3.875%
HK$260,651
−HK$6,906/mo
Today · 4.125%
HK$267,557
baseline
▲ 0.50% · 4.625%
HK$281,660
+HK$14,103/mo
Deposit HK$50.03M · loan HK$50.03M · min. income ≈ HK$535,114/mo (50% DSR)
Upfront cash ≈ HK$54.30M (deposit + AVD stamp duty HK$4,269,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,810
−HK$17,171/mo
▼ 0.25% · 3.875%
HK$282,327
−HK$8,654/mo
Today · 4.125%
HK$290,981
baseline
▲ 0.50% · 4.625%
HK$308,686
+HK$17,705/mo
Deposit HK$40.03M · loan HK$60.04M · min. income ≈ HK$581,962/mo (50% DSR)
Upfront cash ≈ HK$44.30M (deposit + AVD stamp duty HK$4,269,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,611
−HK$16,458/mo
▼ 0.25% · 3.875%
HK$312,781
−HK$8,288/mo
Today · 4.125%
HK$321,069
baseline
▲ 0.50% · 4.625%
HK$337,992
+HK$16,923/mo
Deposit HK$40.03M · loan HK$60.04M · min. income ≈ HK$642,138/mo (50% DSR)
Upfront cash ≈ HK$44.30M (deposit + AVD stamp duty HK$4,269,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$319,445
−HK$20,032/mo
▼ 0.25% · 3.875%
HK$329,382
−HK$10,095/mo
Today · 4.125%
HK$339,477
baseline
▲ 0.50% · 4.625%
HK$360,134
+HK$20,657/mo
Deposit HK$30.02M · loan HK$70.05M · min. income ≈ HK$678,954/mo (50% DSR)
Upfront cash ≈ HK$34.29M (deposit + AVD stamp duty HK$4,269,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$355,380
−HK$19,200/mo
▼ 0.25% · 3.875%
HK$364,911
−HK$9,669/mo
Today · 4.125%
HK$374,580
baseline
▲ 0.50% · 4.625%
HK$394,325
+HK$19,745/mo
Deposit HK$30.02M · loan HK$70.05M · min. income ≈ HK$749,160/mo (50% DSR)
Upfront cash ≈ HK$34.29M (deposit + AVD stamp duty HK$4,269,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$410,716
−HK$25,755/mo
▼ 0.25% · 3.875%
HK$423,491
−HK$12,980/mo
Today · 4.125%
HK$436,471
baseline
▲ 0.50% · 4.625%
HK$463,029
+HK$26,558/mo
Deposit HK$10.01M · loan HK$90.06M · min. income ≈ HK$872,942/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$4,269,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$456,917
−HK$24,686/mo
▼ 0.25% · 3.875%
HK$469,171
−HK$12,432/mo
Today · 4.125%
HK$481,603
baseline
▲ 0.50% · 4.625%
HK$506,989
+HK$25,386/mo
Deposit HK$10.01M · loan HK$90.06M · min. income ≈ HK$963,206/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$4,269,692 · Scale 2, in force from 26 Feb 2026)