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$221,642
−HK$13,899/mo
▼ 0.25% · 3.875%
HK$228,536
−HK$7,005/mo
Today · 4.125%
HK$235,541
baseline
▲ 0.50% · 4.625%
HK$249,873
+HK$14,332/mo
Deposit HK$48.60M · loan HK$48.60M · min. income ≈ HK$471,082/mo (50% DSR)
Upfront cash ≈ HK$52.73M (deposit + AVD stamp duty HK$4,131,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,574
−HK$13,322/mo
▼ 0.25% · 3.875%
HK$253,187
−HK$6,709/mo
Today · 4.125%
HK$259,896
baseline
▲ 0.50% · 4.625%
HK$273,595
+HK$13,699/mo
Deposit HK$48.60M · loan HK$48.60M · min. income ≈ HK$519,792/mo (50% DSR)
Upfront cash ≈ HK$52.73M (deposit + AVD stamp duty HK$4,131,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,970
−HK$16,679/mo
▼ 0.25% · 3.875%
HK$274,243
−HK$8,406/mo
Today · 4.125%
HK$282,649
baseline
▲ 0.50% · 4.625%
HK$299,847
+HK$17,198/mo
Deposit HK$38.88M · loan HK$58.32M · min. income ≈ HK$565,298/mo (50% DSR)
Upfront cash ≈ HK$43.01M (deposit + AVD stamp duty HK$4,131,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,889
−HK$15,986/mo
▼ 0.25% · 3.875%
HK$303,825
−HK$8,050/mo
Today · 4.125%
HK$311,875
baseline
▲ 0.50% · 4.625%
HK$328,314
+HK$16,439/mo
Deposit HK$38.88M · loan HK$58.32M · min. income ≈ HK$623,750/mo (50% DSR)
Upfront cash ≈ HK$43.01M (deposit + AVD stamp duty HK$4,131,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,298
−HK$19,459/mo
▼ 0.25% · 3.875%
HK$319,951
−HK$9,806/mo
Today · 4.125%
HK$329,757
baseline
▲ 0.50% · 4.625%
HK$349,822
+HK$20,065/mo
Deposit HK$29.16M · loan HK$68.04M · min. income ≈ HK$659,514/mo (50% DSR)
Upfront cash ≈ HK$33.29M (deposit + AVD stamp duty HK$4,131,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$345,204
−HK$18,650/mo
▼ 0.25% · 3.875%
HK$354,462
−HK$9,392/mo
Today · 4.125%
HK$363,854
baseline
▲ 0.50% · 4.625%
HK$383,033
+HK$19,179/mo
Deposit HK$29.16M · loan HK$68.04M · min. income ≈ HK$727,708/mo (50% DSR)
Upfront cash ≈ HK$33.29M (deposit + AVD stamp duty HK$4,131,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$398,955
−HK$25,018/mo
▼ 0.25% · 3.875%
HK$411,365
−HK$12,608/mo
Today · 4.125%
HK$423,973
baseline
▲ 0.50% · 4.625%
HK$449,771
+HK$25,798/mo
Deposit HK$9.72M · loan HK$87.48M · min. income ≈ HK$847,946/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$4,131,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$443,834
−HK$23,979/mo
▼ 0.25% · 3.875%
HK$455,737
−HK$12,076/mo
Today · 4.125%
HK$467,813
baseline
▲ 0.50% · 4.625%
HK$492,472
+HK$24,659/mo
Deposit HK$9.72M · loan HK$87.48M · min. income ≈ HK$935,626/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$4,131,016 · Scale 2, in force from 26 Feb 2026)