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$224,876
−HK$14,102/mo
▼ 0.25% · 3.875%
HK$231,871
−HK$7,107/mo
Today · 4.125%
HK$238,978
baseline
▲ 0.50% · 4.625%
HK$253,519
+HK$14,541/mo
Deposit HK$49.31M · loan HK$49.31M · min. income ≈ HK$477,956/mo (50% DSR)
Upfront cash ≈ HK$53.50M (deposit + AVD stamp duty HK$4,191,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,173
−HK$13,516/mo
▼ 0.25% · 3.875%
HK$256,882
−HK$6,807/mo
Today · 4.125%
HK$263,689
baseline
▲ 0.50% · 4.625%
HK$277,588
+HK$13,899/mo
Deposit HK$49.31M · loan HK$49.31M · min. income ≈ HK$527,378/mo (50% DSR)
Upfront cash ≈ HK$53.50M (deposit + AVD stamp duty HK$4,191,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,852
−HK$16,922/mo
▼ 0.25% · 3.875%
HK$278,246
−HK$8,528/mo
Today · 4.125%
HK$286,774
baseline
▲ 0.50% · 4.625%
HK$304,223
+HK$17,449/mo
Deposit HK$39.45M · loan HK$59.17M · min. income ≈ HK$573,548/mo (50% DSR)
Upfront cash ≈ HK$43.64M (deposit + AVD stamp duty HK$4,191,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,207
−HK$16,220/mo
▼ 0.25% · 3.875%
HK$308,259
−HK$8,168/mo
Today · 4.125%
HK$316,427
baseline
▲ 0.50% · 4.625%
HK$333,106
+HK$16,679/mo
Deposit HK$39.45M · loan HK$59.17M · min. income ≈ HK$632,854/mo (50% DSR)
Upfront cash ≈ HK$43.64M (deposit + AVD stamp duty HK$4,191,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$314,827
−HK$19,742/mo
▼ 0.25% · 3.875%
HK$324,620
−HK$9,949/mo
Today · 4.125%
HK$334,569
baseline
▲ 0.50% · 4.625%
HK$354,927
+HK$20,358/mo
Deposit HK$29.59M · loan HK$69.03M · min. income ≈ HK$669,138/mo (50% DSR)
Upfront cash ≈ HK$33.78M (deposit + AVD stamp duty HK$4,191,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$350,242
−HK$18,922/mo
▼ 0.25% · 3.875%
HK$359,635
−HK$9,529/mo
Today · 4.125%
HK$369,164
baseline
▲ 0.50% · 4.625%
HK$388,624
+HK$19,460/mo
Deposit HK$29.59M · loan HK$69.03M · min. income ≈ HK$738,328/mo (50% DSR)
Upfront cash ≈ HK$33.78M (deposit + AVD stamp duty HK$4,191,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$404,778
−HK$25,383/mo
▼ 0.25% · 3.875%
HK$417,369
−HK$12,792/mo
Today · 4.125%
HK$430,161
baseline
▲ 0.50% · 4.625%
HK$456,335
+HK$26,174/mo
Deposit HK$9.86M · loan HK$88.76M · min. income ≈ HK$860,322/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$4,191,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$450,311
−HK$24,329/mo
▼ 0.25% · 3.875%
HK$462,388
−HK$12,252/mo
Today · 4.125%
HK$474,640
baseline
▲ 0.50% · 4.625%
HK$499,659
+HK$25,019/mo
Deposit HK$9.86M · loan HK$88.76M · min. income ≈ HK$949,280/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$4,191,305 · Scale 2, in force from 26 Feb 2026)