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$238,569
−HK$14,960/mo
▼ 0.25% · 3.875%
HK$245,989
−HK$7,540/mo
Today · 4.125%
HK$253,529
baseline
▲ 0.50% · 4.625%
HK$268,956
+HK$15,427/mo
Deposit HK$52.31M · loan HK$52.31M · min. income ≈ HK$507,058/mo (50% DSR)
Upfront cash ≈ HK$57.95M (deposit + AVD stamp duty HK$5,637,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,405
−HK$14,339/mo
▼ 0.25% · 3.875%
HK$272,523
−HK$7,221/mo
Today · 4.125%
HK$279,744
baseline
▲ 0.50% · 4.625%
HK$294,490
+HK$14,746/mo
Deposit HK$52.31M · loan HK$52.31M · min. income ≈ HK$559,488/mo (50% DSR)
Upfront cash ≈ HK$57.95M (deposit + AVD stamp duty HK$5,637,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,282
−HK$17,953/mo
▼ 0.25% · 3.875%
HK$295,187
−HK$9,048/mo
Today · 4.125%
HK$304,235
baseline
▲ 0.50% · 4.625%
HK$322,747
+HK$18,512/mo
Deposit HK$41.85M · loan HK$62.77M · min. income ≈ HK$608,470/mo (50% DSR)
Upfront cash ≈ HK$47.49M (deposit + AVD stamp duty HK$5,637,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,486
−HK$17,207/mo
▼ 0.25% · 3.875%
HK$327,028
−HK$8,665/mo
Today · 4.125%
HK$335,693
baseline
▲ 0.50% · 4.625%
HK$353,388
+HK$17,695/mo
Deposit HK$41.85M · loan HK$62.77M · min. income ≈ HK$671,386/mo (50% DSR)
Upfront cash ≈ HK$47.49M (deposit + AVD stamp duty HK$5,637,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$333,996
−HK$20,944/mo
▼ 0.25% · 3.875%
HK$344,385
−HK$10,555/mo
Today · 4.125%
HK$354,940
baseline
▲ 0.50% · 4.625%
HK$376,538
+HK$21,598/mo
Deposit HK$31.39M · loan HK$73.24M · min. income ≈ HK$709,880/mo (50% DSR)
Upfront cash ≈ HK$37.02M (deposit + AVD stamp duty HK$5,637,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$371,567
−HK$20,075/mo
▼ 0.25% · 3.875%
HK$381,532
−HK$10,110/mo
Today · 4.125%
HK$391,642
baseline
▲ 0.50% · 4.625%
HK$412,286
+HK$20,644/mo
Deposit HK$31.39M · loan HK$73.24M · min. income ≈ HK$783,284/mo (50% DSR)
Upfront cash ≈ HK$37.02M (deposit + AVD stamp duty HK$5,637,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$429,423
−HK$26,929/mo
▼ 0.25% · 3.875%
HK$442,781
−HK$13,571/mo
Today · 4.125%
HK$456,352
baseline
▲ 0.50% · 4.625%
HK$484,120
+HK$27,768/mo
Deposit HK$10.46M · loan HK$94.16M · min. income ≈ HK$912,704/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$5,637,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$477,729
−HK$25,810/mo
▼ 0.25% · 3.875%
HK$490,542
−HK$12,997/mo
Today · 4.125%
HK$503,539
baseline
▲ 0.50% · 4.625%
HK$530,082
+HK$26,543/mo
Deposit HK$10.46M · loan HK$94.16M · min. income ≈ HK$1,007,078/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$5,637,069 · Scale 2, in force from 26 Feb 2026)