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$224,907
−HK$14,103/mo
▼ 0.25% · 3.875%
HK$231,903
−HK$7,107/mo
Today · 4.125%
HK$239,010
baseline
▲ 0.50% · 4.625%
HK$253,554
+HK$14,544/mo
Deposit HK$49.32M · loan HK$49.32M · min. income ≈ HK$478,020/mo (50% DSR)
Upfront cash ≈ HK$53.51M (deposit + AVD stamp duty HK$4,191,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,207
−HK$13,517/mo
▼ 0.25% · 3.875%
HK$256,917
−HK$6,807/mo
Today · 4.125%
HK$263,724
baseline
▲ 0.50% · 4.625%
HK$277,626
+HK$13,902/mo
Deposit HK$49.32M · loan HK$49.32M · min. income ≈ HK$527,448/mo (50% DSR)
Upfront cash ≈ HK$53.51M (deposit + AVD stamp duty HK$4,191,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,888
−HK$16,925/mo
▼ 0.25% · 3.875%
HK$278,283
−HK$8,530/mo
Today · 4.125%
HK$286,813
baseline
▲ 0.50% · 4.625%
HK$304,264
+HK$17,451/mo
Deposit HK$39.45M · loan HK$59.18M · min. income ≈ HK$573,626/mo (50% DSR)
Upfront cash ≈ HK$43.64M (deposit + AVD stamp duty HK$4,191,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,248
−HK$16,221/mo
▼ 0.25% · 3.875%
HK$308,300
−HK$8,169/mo
Today · 4.125%
HK$316,469
baseline
▲ 0.50% · 4.625%
HK$333,151
+HK$16,682/mo
Deposit HK$39.45M · loan HK$59.18M · min. income ≈ HK$632,938/mo (50% DSR)
Upfront cash ≈ HK$43.64M (deposit + AVD stamp duty HK$4,191,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$314,870
−HK$19,745/mo
▼ 0.25% · 3.875%
HK$324,664
−HK$9,951/mo
Today · 4.125%
HK$334,615
baseline
▲ 0.50% · 4.625%
HK$354,975
+HK$20,360/mo
Deposit HK$29.59M · loan HK$69.04M · min. income ≈ HK$669,230/mo (50% DSR)
Upfront cash ≈ HK$33.78M (deposit + AVD stamp duty HK$4,191,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$350,289
−HK$18,925/mo
▼ 0.25% · 3.875%
HK$359,684
−HK$9,530/mo
Today · 4.125%
HK$369,214
baseline
▲ 0.50% · 4.625%
HK$388,676
+HK$19,462/mo
Deposit HK$29.59M · loan HK$69.04M · min. income ≈ HK$738,428/mo (50% DSR)
Upfront cash ≈ HK$33.78M (deposit + AVD stamp duty HK$4,191,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$404,832
−HK$25,387/mo
▼ 0.25% · 3.875%
HK$417,425
−HK$12,794/mo
Today · 4.125%
HK$430,219
baseline
▲ 0.50% · 4.625%
HK$456,397
+HK$26,178/mo
Deposit HK$9.86M · loan HK$88.77M · min. income ≈ HK$860,438/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$4,191,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$450,372
−HK$24,332/mo
▼ 0.25% · 3.875%
HK$462,451
−HK$12,253/mo
Today · 4.125%
HK$474,704
baseline
▲ 0.50% · 4.625%
HK$499,726
+HK$25,022/mo
Deposit HK$9.86M · loan HK$88.77M · min. income ≈ HK$949,408/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$4,191,870 · Scale 2, in force from 26 Feb 2026)