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$215,542
−HK$13,517/mo
▼ 0.25% · 3.875%
HK$222,247
−HK$6,812/mo
Today · 4.125%
HK$229,059
baseline
▲ 0.50% · 4.625%
HK$242,996
+HK$13,937/mo
Deposit HK$47.26M · loan HK$47.26M · min. income ≈ HK$458,118/mo (50% DSR)
Upfront cash ≈ HK$51.28M (deposit + AVD stamp duty HK$4,017,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,789
−HK$12,955/mo
▼ 0.25% · 3.875%
HK$246,220
−HK$6,524/mo
Today · 4.125%
HK$252,744
baseline
▲ 0.50% · 4.625%
HK$266,066
+HK$13,322/mo
Deposit HK$47.26M · loan HK$47.26M · min. income ≈ HK$505,488/mo (50% DSR)
Upfront cash ≈ HK$51.28M (deposit + AVD stamp duty HK$4,017,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,651
−HK$16,219/mo
▼ 0.25% · 3.875%
HK$266,696
−HK$8,174/mo
Today · 4.125%
HK$274,870
baseline
▲ 0.50% · 4.625%
HK$291,596
+HK$16,726/mo
Deposit HK$37.81M · loan HK$56.72M · min. income ≈ HK$549,740/mo (50% DSR)
Upfront cash ≈ HK$41.83M (deposit + AVD stamp duty HK$4,017,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,746
−HK$15,546/mo
▼ 0.25% · 3.875%
HK$295,463
−HK$7,829/mo
Today · 4.125%
HK$303,292
baseline
▲ 0.50% · 4.625%
HK$319,279
+HK$15,987/mo
Deposit HK$37.81M · loan HK$56.72M · min. income ≈ HK$606,584/mo (50% DSR)
Upfront cash ≈ HK$41.83M (deposit + AVD stamp duty HK$4,017,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,759
−HK$18,923/mo
▼ 0.25% · 3.875%
HK$311,145
−HK$9,537/mo
Today · 4.125%
HK$320,682
baseline
▲ 0.50% · 4.625%
HK$340,195
+HK$19,513/mo
Deposit HK$28.36M · loan HK$66.17M · min. income ≈ HK$641,364/mo (50% DSR)
Upfront cash ≈ HK$32.37M (deposit + AVD stamp duty HK$4,017,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$335,704
−HK$18,137/mo
▼ 0.25% · 3.875%
HK$344,707
−HK$9,134/mo
Today · 4.125%
HK$353,841
baseline
▲ 0.50% · 4.625%
HK$372,492
+HK$18,651/mo
Deposit HK$28.36M · loan HK$66.17M · min. income ≈ HK$707,682/mo (50% DSR)
Upfront cash ≈ HK$32.37M (deposit + AVD stamp duty HK$4,017,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$387,976
−HK$24,329/mo
▼ 0.25% · 3.875%
HK$400,044
−HK$12,261/mo
Today · 4.125%
HK$412,305
baseline
▲ 0.50% · 4.625%
HK$437,393
+HK$25,088/mo
Deposit HK$9.45M · loan HK$85.07M · min. income ≈ HK$824,610/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$4,017,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$431,619
−HK$23,319/mo
▼ 0.25% · 3.875%
HK$443,195
−HK$11,743/mo
Today · 4.125%
HK$454,938
baseline
▲ 0.50% · 4.625%
HK$478,919
+HK$23,981/mo
Deposit HK$9.45M · loan HK$85.07M · min. income ≈ HK$909,876/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$4,017,331 · Scale 2, in force from 26 Feb 2026)