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$217,137
−HK$13,616/mo
▼ 0.25% · 3.875%
HK$223,891
−HK$6,862/mo
Today · 4.125%
HK$230,753
baseline
▲ 0.50% · 4.625%
HK$244,794
+HK$14,041/mo
Deposit HK$47.61M · loan HK$47.61M · min. income ≈ HK$461,506/mo (50% DSR)
Upfront cash ≈ HK$51.66M (deposit + AVD stamp duty HK$4,047,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,562
−HK$13,051/mo
▼ 0.25% · 3.875%
HK$248,041
−HK$6,572/mo
Today · 4.125%
HK$254,613
baseline
▲ 0.50% · 4.625%
HK$268,034
+HK$13,421/mo
Deposit HK$47.61M · loan HK$47.61M · min. income ≈ HK$509,226/mo (50% DSR)
Upfront cash ≈ HK$51.66M (deposit + AVD stamp duty HK$4,047,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,564
−HK$16,339/mo
▼ 0.25% · 3.875%
HK$268,669
−HK$8,234/mo
Today · 4.125%
HK$276,903
baseline
▲ 0.50% · 4.625%
HK$293,752
+HK$16,849/mo
Deposit HK$38.09M · loan HK$57.13M · min. income ≈ HK$553,806/mo (50% DSR)
Upfront cash ≈ HK$42.14M (deposit + AVD stamp duty HK$4,047,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,875
−HK$15,661/mo
▼ 0.25% · 3.875%
HK$297,649
−HK$7,887/mo
Today · 4.125%
HK$305,536
baseline
▲ 0.50% · 4.625%
HK$321,641
+HK$16,105/mo
Deposit HK$38.09M · loan HK$57.13M · min. income ≈ HK$611,072/mo (50% DSR)
Upfront cash ≈ HK$42.14M (deposit + AVD stamp duty HK$4,047,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,991
−HK$19,063/mo
▼ 0.25% · 3.875%
HK$313,447
−HK$9,607/mo
Today · 4.125%
HK$323,054
baseline
▲ 0.50% · 4.625%
HK$342,711
+HK$19,657/mo
Deposit HK$28.57M · loan HK$66.66M · min. income ≈ HK$646,108/mo (50% DSR)
Upfront cash ≈ HK$32.61M (deposit + AVD stamp duty HK$4,047,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$338,187
−HK$18,271/mo
▼ 0.25% · 3.875%
HK$347,257
−HK$9,201/mo
Today · 4.125%
HK$356,458
baseline
▲ 0.50% · 4.625%
HK$375,248
+HK$18,790/mo
Deposit HK$28.57M · loan HK$66.66M · min. income ≈ HK$712,916/mo (50% DSR)
Upfront cash ≈ HK$32.61M (deposit + AVD stamp duty HK$4,047,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$390,846
−HK$24,509/mo
▼ 0.25% · 3.875%
HK$403,003
−HK$12,352/mo
Today · 4.125%
HK$415,355
baseline
▲ 0.50% · 4.625%
HK$440,629
+HK$25,274/mo
Deposit HK$9.52M · loan HK$85.70M · min. income ≈ HK$830,710/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$4,047,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$434,812
−HK$23,492/mo
▼ 0.25% · 3.875%
HK$446,473
−HK$11,831/mo
Today · 4.125%
HK$458,304
baseline
▲ 0.50% · 4.625%
HK$482,461
+HK$24,157/mo
Deposit HK$9.52M · loan HK$85.70M · min. income ≈ HK$916,608/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$4,047,046 · Scale 2, in force from 26 Feb 2026)