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$225,446
−HK$14,137/mo
▼ 0.25% · 3.875%
HK$232,459
−HK$7,124/mo
Today · 4.125%
HK$239,583
baseline
▲ 0.50% · 4.625%
HK$254,161
+HK$14,578/mo
Deposit HK$49.43M · loan HK$49.43M · min. income ≈ HK$479,166/mo (50% DSR)
Upfront cash ≈ HK$53.64M (deposit + AVD stamp duty HK$4,201,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,806
−HK$13,551/mo
▼ 0.25% · 3.875%
HK$257,533
−HK$6,824/mo
Today · 4.125%
HK$264,357
baseline
▲ 0.50% · 4.625%
HK$278,291
+HK$13,934/mo
Deposit HK$49.43M · loan HK$49.43M · min. income ≈ HK$528,714/mo (50% DSR)
Upfront cash ≈ HK$53.64M (deposit + AVD stamp duty HK$4,201,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,535
−HK$16,965/mo
▼ 0.25% · 3.875%
HK$278,950
−HK$8,550/mo
Today · 4.125%
HK$287,500
baseline
▲ 0.50% · 4.625%
HK$304,994
+HK$17,494/mo
Deposit HK$39.55M · loan HK$59.32M · min. income ≈ HK$575,000/mo (50% DSR)
Upfront cash ≈ HK$43.75M (deposit + AVD stamp duty HK$4,201,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,968
−HK$16,260/mo
▼ 0.25% · 3.875%
HK$309,039
−HK$8,189/mo
Today · 4.125%
HK$317,228
baseline
▲ 0.50% · 4.625%
HK$333,949
+HK$16,721/mo
Deposit HK$39.55M · loan HK$59.32M · min. income ≈ HK$634,456/mo (50% DSR)
Upfront cash ≈ HK$43.75M (deposit + AVD stamp duty HK$4,201,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$315,624
−HK$19,793/mo
▼ 0.25% · 3.875%
HK$325,442
−HK$9,975/mo
Today · 4.125%
HK$335,417
baseline
▲ 0.50% · 4.625%
HK$355,826
+HK$20,409/mo
Deposit HK$29.66M · loan HK$69.21M · min. income ≈ HK$670,834/mo (50% DSR)
Upfront cash ≈ HK$33.86M (deposit + AVD stamp duty HK$4,201,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$351,129
−HK$18,970/mo
▼ 0.25% · 3.875%
HK$360,546
−HK$9,553/mo
Today · 4.125%
HK$370,099
baseline
▲ 0.50% · 4.625%
HK$389,608
+HK$19,509/mo
Deposit HK$29.66M · loan HK$69.21M · min. income ≈ HK$740,198/mo (50% DSR)
Upfront cash ≈ HK$33.86M (deposit + AVD stamp duty HK$4,201,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$405,803
−HK$25,447/mo
▼ 0.25% · 3.875%
HK$418,425
−HK$12,825/mo
Today · 4.125%
HK$431,250
baseline
▲ 0.50% · 4.625%
HK$457,491
+HK$26,241/mo
Deposit HK$9.89M · loan HK$88.98M · min. income ≈ HK$862,500/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$4,201,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$451,451
−HK$24,391/mo
▼ 0.25% · 3.875%
HK$463,559
−HK$12,283/mo
Today · 4.125%
HK$475,842
baseline
▲ 0.50% · 4.625%
HK$500,924
+HK$25,082/mo
Deposit HK$9.89M · loan HK$88.98M · min. income ≈ HK$951,684/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$4,201,919 · Scale 2, in force from 26 Feb 2026)