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$216,902
−HK$13,602/mo
▼ 0.25% · 3.875%
HK$223,649
−HK$6,855/mo
Today · 4.125%
HK$230,504
baseline
▲ 0.50% · 4.625%
HK$244,530
+HK$14,026/mo
Deposit HK$47.56M · loan HK$47.56M · min. income ≈ HK$461,008/mo (50% DSR)
Upfront cash ≈ HK$51.60M (deposit + AVD stamp duty HK$4,042,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,302
−HK$13,036/mo
▼ 0.25% · 3.875%
HK$247,773
−HK$6,565/mo
Today · 4.125%
HK$254,338
baseline
▲ 0.50% · 4.625%
HK$267,745
+HK$13,407/mo
Deposit HK$47.56M · loan HK$47.56M · min. income ≈ HK$508,676/mo (50% DSR)
Upfront cash ≈ HK$51.60M (deposit + AVD stamp duty HK$4,042,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,283
−HK$16,322/mo
▼ 0.25% · 3.875%
HK$268,379
−HK$8,226/mo
Today · 4.125%
HK$276,605
baseline
▲ 0.50% · 4.625%
HK$293,436
+HK$16,831/mo
Deposit HK$38.05M · loan HK$57.07M · min. income ≈ HK$553,210/mo (50% DSR)
Upfront cash ≈ HK$42.09M (deposit + AVD stamp duty HK$4,042,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,562
−HK$15,644/mo
▼ 0.25% · 3.875%
HK$297,328
−HK$7,878/mo
Today · 4.125%
HK$305,206
baseline
▲ 0.50% · 4.625%
HK$321,294
+HK$16,088/mo
Deposit HK$38.05M · loan HK$57.07M · min. income ≈ HK$610,412/mo (50% DSR)
Upfront cash ≈ HK$42.09M (deposit + AVD stamp duty HK$4,042,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,663
−HK$19,043/mo
▼ 0.25% · 3.875%
HK$313,109
−HK$9,597/mo
Today · 4.125%
HK$322,706
baseline
▲ 0.50% · 4.625%
HK$342,341
+HK$19,635/mo
Deposit HK$28.54M · loan HK$66.59M · min. income ≈ HK$645,412/mo (50% DSR)
Upfront cash ≈ HK$32.58M (deposit + AVD stamp duty HK$4,042,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$337,822
−HK$18,252/mo
▼ 0.25% · 3.875%
HK$346,883
−HK$9,191/mo
Today · 4.125%
HK$356,074
baseline
▲ 0.50% · 4.625%
HK$374,843
+HK$18,769/mo
Deposit HK$28.54M · loan HK$66.59M · min. income ≈ HK$712,148/mo (50% DSR)
Upfront cash ≈ HK$32.58M (deposit + AVD stamp duty HK$4,042,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$390,424
−HK$24,483/mo
▼ 0.25% · 3.875%
HK$402,569
−HK$12,338/mo
Today · 4.125%
HK$414,907
baseline
▲ 0.50% · 4.625%
HK$440,153
+HK$25,246/mo
Deposit HK$9.51M · loan HK$85.61M · min. income ≈ HK$829,814/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$4,042,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$434,343
−HK$23,466/mo
▼ 0.25% · 3.875%
HK$445,992
−HK$11,817/mo
Today · 4.125%
HK$457,809
baseline
▲ 0.50% · 4.625%
HK$481,941
+HK$24,132/mo
Deposit HK$9.51M · loan HK$85.61M · min. income ≈ HK$915,618/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$4,042,681 · Scale 2, in force from 26 Feb 2026)