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$212,225
−HK$13,308/mo
▼ 0.25% · 3.875%
HK$218,826
−HK$6,707/mo
Today · 4.125%
HK$225,533
baseline
▲ 0.50% · 4.625%
HK$239,256
+HK$13,723/mo
Deposit HK$46.54M · loan HK$46.54M · min. income ≈ HK$451,066/mo (50% DSR)
Upfront cash ≈ HK$50.49M (deposit + AVD stamp duty HK$3,955,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,098
−HK$12,756/mo
▼ 0.25% · 3.875%
HK$242,430
−HK$6,424/mo
Today · 4.125%
HK$248,854
baseline
▲ 0.50% · 4.625%
HK$261,971
+HK$13,117/mo
Deposit HK$46.54M · loan HK$46.54M · min. income ≈ HK$497,708/mo (50% DSR)
Upfront cash ≈ HK$50.49M (deposit + AVD stamp duty HK$3,955,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,670
−HK$15,970/mo
▼ 0.25% · 3.875%
HK$262,591
−HK$8,049/mo
Today · 4.125%
HK$270,640
baseline
▲ 0.50% · 4.625%
HK$287,108
+HK$16,468/mo
Deposit HK$37.23M · loan HK$55.84M · min. income ≈ HK$541,280/mo (50% DSR)
Upfront cash ≈ HK$41.18M (deposit + AVD stamp duty HK$3,955,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,318
−HK$15,306/mo
▼ 0.25% · 3.875%
HK$290,916
−HK$7,708/mo
Today · 4.125%
HK$298,624
baseline
▲ 0.50% · 4.625%
HK$314,365
+HK$15,741/mo
Deposit HK$37.23M · loan HK$55.84M · min. income ≈ HK$597,248/mo (50% DSR)
Upfront cash ≈ HK$41.18M (deposit + AVD stamp duty HK$3,955,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,115
−HK$18,631/mo
▼ 0.25% · 3.875%
HK$306,357
−HK$9,389/mo
Today · 4.125%
HK$315,746
baseline
▲ 0.50% · 4.625%
HK$334,959
+HK$19,213/mo
Deposit HK$27.92M · loan HK$65.15M · min. income ≈ HK$631,492/mo (50% DSR)
Upfront cash ≈ HK$31.88M (deposit + AVD stamp duty HK$3,955,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$330,537
−HK$17,858/mo
▼ 0.25% · 3.875%
HK$339,402
−HK$8,993/mo
Today · 4.125%
HK$348,395
baseline
▲ 0.50% · 4.625%
HK$366,759
+HK$18,364/mo
Deposit HK$27.92M · loan HK$65.15M · min. income ≈ HK$696,790/mo (50% DSR)
Upfront cash ≈ HK$31.88M (deposit + AVD stamp duty HK$3,955,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$382,005
−HK$23,955/mo
▼ 0.25% · 3.875%
HK$393,887
−HK$12,073/mo
Today · 4.125%
HK$405,960
baseline
▲ 0.50% · 4.625%
HK$430,661
+HK$24,701/mo
Deposit HK$9.31M · loan HK$83.76M · min. income ≈ HK$811,920/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$3,955,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$424,976
−HK$22,960/mo
▼ 0.25% · 3.875%
HK$436,374
−HK$11,562/mo
Today · 4.125%
HK$447,936
baseline
▲ 0.50% · 4.625%
HK$471,548
+HK$23,612/mo
Deposit HK$9.31M · loan HK$83.76M · min. income ≈ HK$895,872/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$3,955,500 · Scale 2, in force from 26 Feb 2026)