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$226,129
−HK$14,180/mo
▼ 0.25% · 3.875%
HK$233,163
−HK$7,146/mo
Today · 4.125%
HK$240,309
baseline
▲ 0.50% · 4.625%
HK$254,932
+HK$14,623/mo
Deposit HK$49.58M · loan HK$49.58M · min. income ≈ HK$480,618/mo (50% DSR)
Upfront cash ≈ HK$53.80M (deposit + AVD stamp duty HK$4,214,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,566
−HK$13,592/mo
▼ 0.25% · 3.875%
HK$258,313
−HK$6,845/mo
Today · 4.125%
HK$265,158
baseline
▲ 0.50% · 4.625%
HK$279,135
+HK$13,977/mo
Deposit HK$49.58M · loan HK$49.58M · min. income ≈ HK$530,316/mo (50% DSR)
Upfront cash ≈ HK$53.80M (deposit + AVD stamp duty HK$4,214,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,355
−HK$17,016/mo
▼ 0.25% · 3.875%
HK$279,796
−HK$8,575/mo
Today · 4.125%
HK$288,371
baseline
▲ 0.50% · 4.625%
HK$305,918
+HK$17,547/mo
Deposit HK$39.67M · loan HK$59.50M · min. income ≈ HK$576,742/mo (50% DSR)
Upfront cash ≈ HK$43.88M (deposit + AVD stamp duty HK$4,214,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,880
−HK$16,309/mo
▼ 0.25% · 3.875%
HK$309,976
−HK$8,213/mo
Today · 4.125%
HK$318,189
baseline
▲ 0.50% · 4.625%
HK$334,961
+HK$16,772/mo
Deposit HK$39.67M · loan HK$59.50M · min. income ≈ HK$636,378/mo (50% DSR)
Upfront cash ≈ HK$43.88M (deposit + AVD stamp duty HK$4,214,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,581
−HK$19,852/mo
▼ 0.25% · 3.875%
HK$326,428
−HK$10,005/mo
Today · 4.125%
HK$336,433
baseline
▲ 0.50% · 4.625%
HK$356,904
+HK$20,471/mo
Deposit HK$29.75M · loan HK$69.42M · min. income ≈ HK$672,866/mo (50% DSR)
Upfront cash ≈ HK$33.97M (deposit + AVD stamp duty HK$4,214,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,193
−HK$19,028/mo
▼ 0.25% · 3.875%
HK$361,639
−HK$9,582/mo
Today · 4.125%
HK$371,221
baseline
▲ 0.50% · 4.625%
HK$390,788
+HK$19,567/mo
Deposit HK$29.75M · loan HK$69.42M · min. income ≈ HK$742,442/mo (50% DSR)
Upfront cash ≈ HK$33.97M (deposit + AVD stamp duty HK$4,214,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$407,032
−HK$25,525/mo
▼ 0.25% · 3.875%
HK$419,693
−HK$12,864/mo
Today · 4.125%
HK$432,557
baseline
▲ 0.50% · 4.625%
HK$458,877
+HK$26,320/mo
Deposit HK$9.92M · loan HK$89.25M · min. income ≈ HK$865,114/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$4,214,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$452,819
−HK$24,465/mo
▼ 0.25% · 3.875%
HK$464,964
−HK$12,320/mo
Today · 4.125%
HK$477,284
baseline
▲ 0.50% · 4.625%
HK$502,442
+HK$25,158/mo
Deposit HK$9.92M · loan HK$89.25M · min. income ≈ HK$954,568/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$4,214,653 · Scale 2, in force from 26 Feb 2026)