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$213,566
−HK$13,393/mo
▼ 0.25% · 3.875%
HK$220,209
−HK$6,750/mo
Today · 4.125%
HK$226,959
baseline
▲ 0.50% · 4.625%
HK$240,768
+HK$13,809/mo
Deposit HK$46.83M · loan HK$46.83M · min. income ≈ HK$453,918/mo (50% DSR)
Upfront cash ≈ HK$50.81M (deposit + AVD stamp duty HK$3,980,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,590
−HK$12,836/mo
▼ 0.25% · 3.875%
HK$243,962
−HK$6,464/mo
Today · 4.125%
HK$250,426
baseline
▲ 0.50% · 4.625%
HK$263,627
+HK$13,201/mo
Deposit HK$46.83M · loan HK$46.83M · min. income ≈ HK$500,852/mo (50% DSR)
Upfront cash ≈ HK$50.81M (deposit + AVD stamp duty HK$3,980,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,279
−HK$16,071/mo
▼ 0.25% · 3.875%
HK$264,251
−HK$8,099/mo
Today · 4.125%
HK$272,350
baseline
▲ 0.50% · 4.625%
HK$288,922
+HK$16,572/mo
Deposit HK$37.46M · loan HK$56.20M · min. income ≈ HK$544,700/mo (50% DSR)
Upfront cash ≈ HK$41.44M (deposit + AVD stamp duty HK$3,980,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,108
−HK$15,404/mo
▼ 0.25% · 3.875%
HK$292,755
−HK$7,757/mo
Today · 4.125%
HK$300,512
baseline
▲ 0.50% · 4.625%
HK$316,352
+HK$15,840/mo
Deposit HK$37.46M · loan HK$56.20M · min. income ≈ HK$601,024/mo (50% DSR)
Upfront cash ≈ HK$41.44M (deposit + AVD stamp duty HK$3,980,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$298,992
−HK$18,750/mo
▼ 0.25% · 3.875%
HK$308,293
−HK$9,449/mo
Today · 4.125%
HK$317,742
baseline
▲ 0.50% · 4.625%
HK$337,076
+HK$19,334/mo
Deposit HK$28.10M · loan HK$65.56M · min. income ≈ HK$635,484/mo (50% DSR)
Upfront cash ≈ HK$32.08M (deposit + AVD stamp duty HK$3,980,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$332,626
−HK$17,971/mo
▼ 0.25% · 3.875%
HK$341,547
−HK$9,050/mo
Today · 4.125%
HK$350,597
baseline
▲ 0.50% · 4.625%
HK$369,077
+HK$18,480/mo
Deposit HK$28.10M · loan HK$65.56M · min. income ≈ HK$701,194/mo (50% DSR)
Upfront cash ≈ HK$32.08M (deposit + AVD stamp duty HK$3,980,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$384,419
−HK$24,106/mo
▼ 0.25% · 3.875%
HK$396,377
−HK$12,148/mo
Today · 4.125%
HK$408,525
baseline
▲ 0.50% · 4.625%
HK$433,383
+HK$24,858/mo
Deposit HK$9.37M · loan HK$84.29M · min. income ≈ HK$817,050/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$3,980,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$427,662
−HK$23,105/mo
▼ 0.25% · 3.875%
HK$439,132
−HK$11,635/mo
Today · 4.125%
HK$450,767
baseline
▲ 0.50% · 4.625%
HK$474,528
+HK$23,761/mo
Deposit HK$9.37M · loan HK$84.29M · min. income ≈ HK$901,534/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$3,980,499 · Scale 2, in force from 26 Feb 2026)