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$217,090
−HK$13,613/mo
▼ 0.25% · 3.875%
HK$223,842
−HK$6,861/mo
Today · 4.125%
HK$230,703
baseline
▲ 0.50% · 4.625%
HK$244,741
+HK$14,038/mo
Deposit HK$47.60M · loan HK$47.60M · min. income ≈ HK$461,406/mo (50% DSR)
Upfront cash ≈ HK$51.65M (deposit + AVD stamp duty HK$4,046,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,510
−HK$13,048/mo
▼ 0.25% · 3.875%
HK$247,987
−HK$6,571/mo
Today · 4.125%
HK$254,558
baseline
▲ 0.50% · 4.625%
HK$267,976
+HK$13,418/mo
Deposit HK$47.60M · loan HK$47.60M · min. income ≈ HK$509,116/mo (50% DSR)
Upfront cash ≈ HK$51.65M (deposit + AVD stamp duty HK$4,046,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,508
−HK$16,336/mo
▼ 0.25% · 3.875%
HK$268,611
−HK$8,233/mo
Today · 4.125%
HK$276,844
baseline
▲ 0.50% · 4.625%
HK$293,689
+HK$16,845/mo
Deposit HK$38.08M · loan HK$57.12M · min. income ≈ HK$553,688/mo (50% DSR)
Upfront cash ≈ HK$42.13M (deposit + AVD stamp duty HK$4,046,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,812
−HK$15,658/mo
▼ 0.25% · 3.875%
HK$297,585
−HK$7,885/mo
Today · 4.125%
HK$305,470
baseline
▲ 0.50% · 4.625%
HK$321,571
+HK$16,101/mo
Deposit HK$38.08M · loan HK$57.12M · min. income ≈ HK$610,940/mo (50% DSR)
Upfront cash ≈ HK$42.13M (deposit + AVD stamp duty HK$4,046,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,926
−HK$19,058/mo
▼ 0.25% · 3.875%
HK$313,379
−HK$9,605/mo
Today · 4.125%
HK$322,984
baseline
▲ 0.50% · 4.625%
HK$342,637
+HK$19,653/mo
Deposit HK$28.56M · loan HK$66.64M · min. income ≈ HK$645,968/mo (50% DSR)
Upfront cash ≈ HK$32.61M (deposit + AVD stamp duty HK$4,046,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$338,114
−HK$18,267/mo
▼ 0.25% · 3.875%
HK$347,182
−HK$9,199/mo
Today · 4.125%
HK$356,381
baseline
▲ 0.50% · 4.625%
HK$375,167
+HK$18,786/mo
Deposit HK$28.56M · loan HK$66.64M · min. income ≈ HK$712,762/mo (50% DSR)
Upfront cash ≈ HK$32.61M (deposit + AVD stamp duty HK$4,046,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$390,761
−HK$24,505/mo
▼ 0.25% · 3.875%
HK$402,916
−HK$12,350/mo
Today · 4.125%
HK$415,266
baseline
▲ 0.50% · 4.625%
HK$440,534
+HK$25,268/mo
Deposit HK$9.52M · loan HK$85.68M · min. income ≈ HK$830,532/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$4,046,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$434,718
−HK$23,487/mo
▼ 0.25% · 3.875%
HK$446,377
−HK$11,828/mo
Today · 4.125%
HK$458,205
baseline
▲ 0.50% · 4.625%
HK$482,357
+HK$24,152/mo
Deposit HK$9.52M · loan HK$85.68M · min. income ≈ HK$916,410/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$4,046,173 · Scale 2, in force from 26 Feb 2026)