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$225,112
−HK$14,117/mo
▼ 0.25% · 3.875%
HK$232,115
−HK$7,114/mo
Today · 4.125%
HK$239,229
baseline
▲ 0.50% · 4.625%
HK$253,785
+HK$14,556/mo
Deposit HK$49.36M · loan HK$49.36M · min. income ≈ HK$478,458/mo (50% DSR)
Upfront cash ≈ HK$53.56M (deposit + AVD stamp duty HK$4,195,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,435
−HK$13,530/mo
▼ 0.25% · 3.875%
HK$257,152
−HK$6,813/mo
Today · 4.125%
HK$263,965
baseline
▲ 0.50% · 4.625%
HK$277,879
+HK$13,914/mo
Deposit HK$49.36M · loan HK$49.36M · min. income ≈ HK$527,930/mo (50% DSR)
Upfront cash ≈ HK$53.56M (deposit + AVD stamp duty HK$4,195,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,135
−HK$16,940/mo
▼ 0.25% · 3.875%
HK$278,537
−HK$8,538/mo
Today · 4.125%
HK$287,075
baseline
▲ 0.50% · 4.625%
HK$304,542
+HK$17,467/mo
Deposit HK$39.49M · loan HK$59.23M · min. income ≈ HK$574,150/mo (50% DSR)
Upfront cash ≈ HK$43.68M (deposit + AVD stamp duty HK$4,195,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,522
−HK$16,236/mo
▼ 0.25% · 3.875%
HK$308,582
−HK$8,176/mo
Today · 4.125%
HK$316,758
baseline
▲ 0.50% · 4.625%
HK$333,455
+HK$16,697/mo
Deposit HK$39.49M · loan HK$59.23M · min. income ≈ HK$633,516/mo (50% DSR)
Upfront cash ≈ HK$43.68M (deposit + AVD stamp duty HK$4,195,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$315,157
−HK$19,763/mo
▼ 0.25% · 3.875%
HK$324,960
−HK$9,960/mo
Today · 4.125%
HK$334,920
baseline
▲ 0.50% · 4.625%
HK$355,299
+HK$20,379/mo
Deposit HK$29.62M · loan HK$69.11M · min. income ≈ HK$669,840/mo (50% DSR)
Upfront cash ≈ HK$33.81M (deposit + AVD stamp duty HK$4,195,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$350,609
−HK$18,943/mo
▼ 0.25% · 3.875%
HK$360,012
−HK$9,540/mo
Today · 4.125%
HK$369,552
baseline
▲ 0.50% · 4.625%
HK$389,031
+HK$19,479/mo
Deposit HK$29.62M · loan HK$69.11M · min. income ≈ HK$739,104/mo (50% DSR)
Upfront cash ≈ HK$33.81M (deposit + AVD stamp duty HK$4,195,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$405,202
−HK$25,410/mo
▼ 0.25% · 3.875%
HK$417,806
−HK$12,806/mo
Today · 4.125%
HK$430,612
baseline
▲ 0.50% · 4.625%
HK$456,814
+HK$26,202/mo
Deposit HK$9.87M · loan HK$88.85M · min. income ≈ HK$861,224/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$4,195,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$450,783
−HK$24,355/mo
▼ 0.25% · 3.875%
HK$462,873
−HK$12,265/mo
Today · 4.125%
HK$475,138
baseline
▲ 0.50% · 4.625%
HK$500,183
+HK$25,045/mo
Deposit HK$9.87M · loan HK$88.85M · min. income ≈ HK$950,276/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$4,195,701 · Scale 2, in force from 26 Feb 2026)