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$214,534
−HK$13,453/mo
▼ 0.25% · 3.875%
HK$221,207
−HK$6,780/mo
Today · 4.125%
HK$227,987
baseline
▲ 0.50% · 4.625%
HK$241,860
+HK$13,873/mo
Deposit HK$47.04M · loan HK$47.04M · min. income ≈ HK$455,974/mo (50% DSR)
Upfront cash ≈ HK$51.04M (deposit + AVD stamp duty HK$3,998,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,667
−HK$12,894/mo
▼ 0.25% · 3.875%
HK$245,068
−HK$6,493/mo
Today · 4.125%
HK$251,561
baseline
▲ 0.50% · 4.625%
HK$264,821
+HK$13,260/mo
Deposit HK$47.04M · loan HK$47.04M · min. income ≈ HK$503,122/mo (50% DSR)
Upfront cash ≈ HK$51.04M (deposit + AVD stamp duty HK$3,998,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,441
−HK$16,144/mo
▼ 0.25% · 3.875%
HK$265,449
−HK$8,136/mo
Today · 4.125%
HK$273,585
baseline
▲ 0.50% · 4.625%
HK$290,232
+HK$16,647/mo
Deposit HK$37.63M · loan HK$56.45M · min. income ≈ HK$547,170/mo (50% DSR)
Upfront cash ≈ HK$41.63M (deposit + AVD stamp duty HK$3,998,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,400
−HK$15,474/mo
▼ 0.25% · 3.875%
HK$294,081
−HK$7,793/mo
Today · 4.125%
HK$301,874
baseline
▲ 0.50% · 4.625%
HK$317,786
+HK$15,912/mo
Deposit HK$37.63M · loan HK$56.45M · min. income ≈ HK$603,748/mo (50% DSR)
Upfront cash ≈ HK$41.63M (deposit + AVD stamp duty HK$3,998,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,348
−HK$18,834/mo
▼ 0.25% · 3.875%
HK$309,690
−HK$9,492/mo
Today · 4.125%
HK$319,182
baseline
▲ 0.50% · 4.625%
HK$338,603
+HK$19,421/mo
Deposit HK$28.22M · loan HK$65.86M · min. income ≈ HK$638,364/mo (50% DSR)
Upfront cash ≈ HK$32.22M (deposit + AVD stamp duty HK$3,998,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$334,134
−HK$18,052/mo
▼ 0.25% · 3.875%
HK$343,095
−HK$9,091/mo
Today · 4.125%
HK$352,186
baseline
▲ 0.50% · 4.625%
HK$370,750
+HK$18,564/mo
Deposit HK$28.22M · loan HK$65.86M · min. income ≈ HK$704,372/mo (50% DSR)
Upfront cash ≈ HK$32.22M (deposit + AVD stamp duty HK$3,998,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$386,161
−HK$24,216/mo
▼ 0.25% · 3.875%
HK$398,173
−HK$12,204/mo
Today · 4.125%
HK$410,377
baseline
▲ 0.50% · 4.625%
HK$435,347
+HK$24,970/mo
Deposit HK$9.41M · loan HK$84.67M · min. income ≈ HK$820,754/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$3,998,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$429,600
−HK$23,210/mo
▼ 0.25% · 3.875%
HK$441,122
−HK$11,688/mo
Today · 4.125%
HK$452,810
baseline
▲ 0.50% · 4.625%
HK$476,679
+HK$23,869/mo
Deposit HK$9.41M · loan HK$84.67M · min. income ≈ HK$905,620/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$3,998,539 · Scale 2, in force from 26 Feb 2026)