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$231,900
−HK$14,542/mo
▼ 0.25% · 3.875%
HK$239,113
−HK$7,329/mo
Today · 4.125%
HK$246,442
baseline
▲ 0.50% · 4.625%
HK$261,437
+HK$14,995/mo
Deposit HK$50.85M · loan HK$50.85M · min. income ≈ HK$492,884/mo (50% DSR)
Upfront cash ≈ HK$55.61M (deposit + AVD stamp duty HK$4,759,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,986
−HK$13,938/mo
▼ 0.25% · 3.875%
HK$264,905
−HK$7,019/mo
Today · 4.125%
HK$271,924
baseline
▲ 0.50% · 4.625%
HK$286,258
+HK$14,334/mo
Deposit HK$50.85M · loan HK$50.85M · min. income ≈ HK$543,848/mo (50% DSR)
Upfront cash ≈ HK$55.61M (deposit + AVD stamp duty HK$4,759,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,280
−HK$17,450/mo
▼ 0.25% · 3.875%
HK$286,936
−HK$8,794/mo
Today · 4.125%
HK$295,730
baseline
▲ 0.50% · 4.625%
HK$313,725
+HK$17,995/mo
Deposit HK$40.68M · loan HK$61.02M · min. income ≈ HK$591,460/mo (50% DSR)
Upfront cash ≈ HK$45.44M (deposit + AVD stamp duty HK$4,759,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,583
−HK$16,726/mo
▼ 0.25% · 3.875%
HK$317,886
−HK$8,423/mo
Today · 4.125%
HK$326,309
baseline
▲ 0.50% · 4.625%
HK$343,509
+HK$17,200/mo
Deposit HK$40.68M · loan HK$61.02M · min. income ≈ HK$652,618/mo (50% DSR)
Upfront cash ≈ HK$45.44M (deposit + AVD stamp duty HK$4,759,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$324,660
−HK$20,359/mo
▼ 0.25% · 3.875%
HK$334,758
−HK$10,261/mo
Today · 4.125%
HK$345,019
baseline
▲ 0.50% · 4.625%
HK$366,012
+HK$20,993/mo
Deposit HK$30.51M · loan HK$71.19M · min. income ≈ HK$690,038/mo (50% DSR)
Upfront cash ≈ HK$35.27M (deposit + AVD stamp duty HK$4,759,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$361,181
−HK$19,513/mo
▼ 0.25% · 3.875%
HK$370,867
−HK$9,827/mo
Today · 4.125%
HK$380,694
baseline
▲ 0.50% · 4.625%
HK$400,761
+HK$20,067/mo
Deposit HK$30.51M · loan HK$71.19M · min. income ≈ HK$761,388/mo (50% DSR)
Upfront cash ≈ HK$35.27M (deposit + AVD stamp duty HK$4,759,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$417,420
−HK$26,175/mo
▼ 0.25% · 3.875%
HK$430,404
−HK$13,191/mo
Today · 4.125%
HK$443,595
baseline
▲ 0.50% · 4.625%
HK$470,587
+HK$26,992/mo
Deposit HK$10.17M · loan HK$91.53M · min. income ≈ HK$887,190/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$4,759,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$464,375
−HK$25,089/mo
▼ 0.25% · 3.875%
HK$476,829
−HK$12,635/mo
Today · 4.125%
HK$489,464
baseline
▲ 0.50% · 4.625%
HK$515,264
+HK$25,800/mo
Deposit HK$10.17M · loan HK$91.53M · min. income ≈ HK$978,928/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$4,759,695 · Scale 2, in force from 26 Feb 2026)