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$222,322
−HK$13,942/mo
▼ 0.25% · 3.875%
HK$229,238
−HK$7,026/mo
Today · 4.125%
HK$236,264
baseline
▲ 0.50% · 4.625%
HK$250,640
+HK$14,376/mo
Deposit HK$48.75M · loan HK$48.75M · min. income ≈ HK$472,528/mo (50% DSR)
Upfront cash ≈ HK$52.89M (deposit + AVD stamp duty HK$4,143,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,331
−HK$13,363/mo
▼ 0.25% · 3.875%
HK$253,965
−HK$6,729/mo
Today · 4.125%
HK$260,694
baseline
▲ 0.50% · 4.625%
HK$274,435
+HK$13,741/mo
Deposit HK$48.75M · loan HK$48.75M · min. income ≈ HK$521,388/mo (50% DSR)
Upfront cash ≈ HK$52.89M (deposit + AVD stamp duty HK$4,143,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,787
−HK$16,730/mo
▼ 0.25% · 3.875%
HK$275,085
−HK$8,432/mo
Today · 4.125%
HK$283,517
baseline
▲ 0.50% · 4.625%
HK$300,768
+HK$17,251/mo
Deposit HK$39.00M · loan HK$58.50M · min. income ≈ HK$567,034/mo (50% DSR)
Upfront cash ≈ HK$43.14M (deposit + AVD stamp duty HK$4,143,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,798
−HK$16,035/mo
▼ 0.25% · 3.875%
HK$304,758
−HK$8,075/mo
Today · 4.125%
HK$312,833
baseline
▲ 0.50% · 4.625%
HK$329,323
+HK$16,490/mo
Deposit HK$39.00M · loan HK$58.50M · min. income ≈ HK$625,666/mo (50% DSR)
Upfront cash ≈ HK$43.14M (deposit + AVD stamp duty HK$4,143,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,251
−HK$19,518/mo
▼ 0.25% · 3.875%
HK$320,933
−HK$9,836/mo
Today · 4.125%
HK$330,769
baseline
▲ 0.50% · 4.625%
HK$350,896
+HK$20,127/mo
Deposit HK$29.25M · loan HK$68.25M · min. income ≈ HK$661,538/mo (50% DSR)
Upfront cash ≈ HK$33.39M (deposit + AVD stamp duty HK$4,143,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$346,264
−HK$18,708/mo
▼ 0.25% · 3.875%
HK$355,551
−HK$9,421/mo
Today · 4.125%
HK$364,972
baseline
▲ 0.50% · 4.625%
HK$384,210
+HK$19,238/mo
Deposit HK$29.25M · loan HK$68.25M · min. income ≈ HK$729,944/mo (50% DSR)
Upfront cash ≈ HK$33.39M (deposit + AVD stamp duty HK$4,143,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$400,180
−HK$25,095/mo
▼ 0.25% · 3.875%
HK$412,628
−HK$12,647/mo
Today · 4.125%
HK$425,275
baseline
▲ 0.50% · 4.625%
HK$451,152
+HK$25,877/mo
Deposit HK$9.75M · loan HK$87.75M · min. income ≈ HK$850,550/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$4,143,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$445,196
−HK$24,053/mo
▼ 0.25% · 3.875%
HK$457,136
−HK$12,113/mo
Today · 4.125%
HK$469,249
baseline
▲ 0.50% · 4.625%
HK$493,984
+HK$24,735/mo
Deposit HK$9.75M · loan HK$87.75M · min. income ≈ HK$938,498/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$4,143,701 · Scale 2, in force from 26 Feb 2026)