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$230,901
−HK$14,480/mo
▼ 0.25% · 3.875%
HK$238,084
−HK$7,297/mo
Today · 4.125%
HK$245,381
baseline
▲ 0.50% · 4.625%
HK$260,312
+HK$14,931/mo
Deposit HK$50.63M · loan HK$50.63M · min. income ≈ HK$490,762/mo (50% DSR)
Upfront cash ≈ HK$55.26M (deposit + AVD stamp duty HK$4,628,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,876
−HK$13,878/mo
▼ 0.25% · 3.875%
HK$263,765
−HK$6,989/mo
Today · 4.125%
HK$270,754
baseline
▲ 0.50% · 4.625%
HK$285,026
+HK$14,272/mo
Deposit HK$50.63M · loan HK$50.63M · min. income ≈ HK$541,508/mo (50% DSR)
Upfront cash ≈ HK$55.26M (deposit + AVD stamp duty HK$4,628,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,082
−HK$17,375/mo
▼ 0.25% · 3.875%
HK$285,701
−HK$8,756/mo
Today · 4.125%
HK$294,457
baseline
▲ 0.50% · 4.625%
HK$312,374
+HK$17,917/mo
Deposit HK$40.50M · loan HK$60.76M · min. income ≈ HK$588,914/mo (50% DSR)
Upfront cash ≈ HK$45.13M (deposit + AVD stamp duty HK$4,628,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,251
−HK$16,653/mo
▼ 0.25% · 3.875%
HK$316,518
−HK$8,386/mo
Today · 4.125%
HK$324,904
baseline
▲ 0.50% · 4.625%
HK$342,031
+HK$17,127/mo
Deposit HK$40.50M · loan HK$60.76M · min. income ≈ HK$649,808/mo (50% DSR)
Upfront cash ≈ HK$45.13M (deposit + AVD stamp duty HK$4,628,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,262
−HK$20,271/mo
▼ 0.25% · 3.875%
HK$333,317
−HK$10,216/mo
Today · 4.125%
HK$343,533
baseline
▲ 0.50% · 4.625%
HK$364,437
+HK$20,904/mo
Deposit HK$30.38M · loan HK$70.88M · min. income ≈ HK$687,066/mo (50% DSR)
Upfront cash ≈ HK$35.01M (deposit + AVD stamp duty HK$4,628,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$359,626
−HK$19,429/mo
▼ 0.25% · 3.875%
HK$369,271
−HK$9,784/mo
Today · 4.125%
HK$379,055
baseline
▲ 0.50% · 4.625%
HK$399,036
+HK$19,981/mo
Deposit HK$30.38M · loan HK$70.88M · min. income ≈ HK$758,110/mo (50% DSR)
Upfront cash ≈ HK$35.01M (deposit + AVD stamp duty HK$4,628,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$415,623
−HK$26,063/mo
▼ 0.25% · 3.875%
HK$428,551
−HK$13,135/mo
Today · 4.125%
HK$441,686
baseline
▲ 0.50% · 4.625%
HK$468,561
+HK$26,875/mo
Deposit HK$10.13M · loan HK$91.14M · min. income ≈ HK$883,372/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$4,628,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$462,376
−HK$24,981/mo
▼ 0.25% · 3.875%
HK$474,777
−HK$12,580/mo
Today · 4.125%
HK$487,357
baseline
▲ 0.50% · 4.625%
HK$513,046
+HK$25,689/mo
Deposit HK$10.13M · loan HK$91.14M · min. income ≈ HK$974,714/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$4,628,354 · Scale 2, in force from 26 Feb 2026)