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$226,086
−HK$14,178/mo
▼ 0.25% · 3.875%
HK$233,119
−HK$7,145/mo
Today · 4.125%
HK$240,264
baseline
▲ 0.50% · 4.625%
HK$254,883
+HK$14,619/mo
Deposit HK$49.57M · loan HK$49.57M · min. income ≈ HK$480,528/mo (50% DSR)
Upfront cash ≈ HK$53.79M (deposit + AVD stamp duty HK$4,213,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,519
−HK$13,588/mo
▼ 0.25% · 3.875%
HK$258,264
−HK$6,843/mo
Today · 4.125%
HK$265,107
baseline
▲ 0.50% · 4.625%
HK$279,082
+HK$13,975/mo
Deposit HK$49.57M · loan HK$49.57M · min. income ≈ HK$530,214/mo (50% DSR)
Upfront cash ≈ HK$53.79M (deposit + AVD stamp duty HK$4,213,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,303
−HK$17,014/mo
▼ 0.25% · 3.875%
HK$279,742
−HK$8,575/mo
Today · 4.125%
HK$288,317
baseline
▲ 0.50% · 4.625%
HK$305,860
+HK$17,543/mo
Deposit HK$39.66M · loan HK$59.49M · min. income ≈ HK$576,634/mo (50% DSR)
Upfront cash ≈ HK$43.87M (deposit + AVD stamp duty HK$4,213,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,822
−HK$16,307/mo
▼ 0.25% · 3.875%
HK$309,917
−HK$8,212/mo
Today · 4.125%
HK$318,129
baseline
▲ 0.50% · 4.625%
HK$334,898
+HK$16,769/mo
Deposit HK$39.66M · loan HK$59.49M · min. income ≈ HK$636,258/mo (50% DSR)
Upfront cash ≈ HK$43.87M (deposit + AVD stamp duty HK$4,213,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,521
−HK$19,848/mo
▼ 0.25% · 3.875%
HK$326,366
−HK$10,003/mo
Today · 4.125%
HK$336,369
baseline
▲ 0.50% · 4.625%
HK$356,837
+HK$20,468/mo
Deposit HK$29.74M · loan HK$69.40M · min. income ≈ HK$672,738/mo (50% DSR)
Upfront cash ≈ HK$33.96M (deposit + AVD stamp duty HK$4,213,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,126
−HK$19,024/mo
▼ 0.25% · 3.875%
HK$361,570
−HK$9,580/mo
Today · 4.125%
HK$371,150
baseline
▲ 0.50% · 4.625%
HK$390,714
+HK$19,564/mo
Deposit HK$29.74M · loan HK$69.40M · min. income ≈ HK$742,300/mo (50% DSR)
Upfront cash ≈ HK$33.96M (deposit + AVD stamp duty HK$4,213,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$406,955
−HK$25,520/mo
▼ 0.25% · 3.875%
HK$419,614
−HK$12,861/mo
Today · 4.125%
HK$432,475
baseline
▲ 0.50% · 4.625%
HK$458,790
+HK$26,315/mo
Deposit HK$9.91M · loan HK$89.23M · min. income ≈ HK$864,950/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$4,213,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$452,733
−HK$24,460/mo
▼ 0.25% · 3.875%
HK$464,876
−HK$12,317/mo
Today · 4.125%
HK$477,193
baseline
▲ 0.50% · 4.625%
HK$502,347
+HK$25,154/mo
Deposit HK$9.91M · loan HK$89.23M · min. income ≈ HK$954,386/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$4,213,852 · Scale 2, in force from 26 Feb 2026)