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$234,468
−HK$14,704/mo
▼ 0.25% · 3.875%
HK$241,762
−HK$7,410/mo
Today · 4.125%
HK$249,172
baseline
▲ 0.50% · 4.625%
HK$264,333
+HK$15,161/mo
Deposit HK$51.41M · loan HK$51.41M · min. income ≈ HK$498,344/mo (50% DSR)
Upfront cash ≈ HK$56.51M (deposit + AVD stamp duty HK$5,097,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,844
−HK$14,092/mo
▼ 0.25% · 3.875%
HK$267,839
−HK$7,097/mo
Today · 4.125%
HK$274,936
baseline
▲ 0.50% · 4.625%
HK$289,429
+HK$14,493/mo
Deposit HK$51.41M · loan HK$51.41M · min. income ≈ HK$549,872/mo (50% DSR)
Upfront cash ≈ HK$56.51M (deposit + AVD stamp duty HK$5,097,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,362
−HK$17,644/mo
▼ 0.25% · 3.875%
HK$290,114
−HK$8,892/mo
Today · 4.125%
HK$299,006
baseline
▲ 0.50% · 4.625%
HK$317,200
+HK$18,194/mo
Deposit HK$41.13M · loan HK$61.70M · min. income ≈ HK$598,012/mo (50% DSR)
Upfront cash ≈ HK$46.23M (deposit + AVD stamp duty HK$5,097,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,013
−HK$16,911/mo
▼ 0.25% · 3.875%
HK$321,407
−HK$8,517/mo
Today · 4.125%
HK$329,924
baseline
▲ 0.50% · 4.625%
HK$347,314
+HK$17,390/mo
Deposit HK$41.13M · loan HK$61.70M · min. income ≈ HK$659,848/mo (50% DSR)
Upfront cash ≈ HK$46.23M (deposit + AVD stamp duty HK$5,097,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,256
−HK$20,584/mo
▼ 0.25% · 3.875%
HK$338,466
−HK$10,374/mo
Today · 4.125%
HK$348,840
baseline
▲ 0.50% · 4.625%
HK$370,066
+HK$21,226/mo
Deposit HK$30.85M · loan HK$71.98M · min. income ≈ HK$697,680/mo (50% DSR)
Upfront cash ≈ HK$35.95M (deposit + AVD stamp duty HK$5,097,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$365,181
−HK$19,730/mo
▼ 0.25% · 3.875%
HK$374,975
−HK$9,936/mo
Today · 4.125%
HK$384,911
baseline
▲ 0.50% · 4.625%
HK$405,200
+HK$20,289/mo
Deposit HK$30.85M · loan HK$71.98M · min. income ≈ HK$769,822/mo (50% DSR)
Upfront cash ≈ HK$35.95M (deposit + AVD stamp duty HK$5,097,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$422,043
−HK$26,466/mo
▼ 0.25% · 3.875%
HK$435,171
−HK$13,338/mo
Today · 4.125%
HK$448,509
baseline
▲ 0.50% · 4.625%
HK$475,800
+HK$27,291/mo
Deposit HK$10.28M · loan HK$92.54M · min. income ≈ HK$897,018/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$5,097,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$469,519
−HK$25,366/mo
▼ 0.25% · 3.875%
HK$482,111
−HK$12,774/mo
Today · 4.125%
HK$494,885
baseline
▲ 0.50% · 4.625%
HK$520,972
+HK$26,087/mo
Deposit HK$10.28M · loan HK$92.54M · min. income ≈ HK$989,770/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$5,097,641 · Scale 2, in force from 26 Feb 2026)