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$227,827
−HK$14,286/mo
▼ 0.25% · 3.875%
HK$234,913
−HK$7,200/mo
Today · 4.125%
HK$242,113
baseline
▲ 0.50% · 4.625%
HK$256,845
+HK$14,732/mo
Deposit HK$49.96M · loan HK$49.96M · min. income ≈ HK$484,226/mo (50% DSR)
Upfront cash ≈ HK$54.20M (deposit + AVD stamp duty HK$4,246,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,455
−HK$13,693/mo
▼ 0.25% · 3.875%
HK$260,252
−HK$6,896/mo
Today · 4.125%
HK$267,148
baseline
▲ 0.50% · 4.625%
HK$281,230
+HK$14,082/mo
Deposit HK$49.96M · loan HK$49.96M · min. income ≈ HK$534,296/mo (50% DSR)
Upfront cash ≈ HK$54.20M (deposit + AVD stamp duty HK$4,246,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,392
−HK$17,144/mo
▼ 0.25% · 3.875%
HK$281,896
−HK$8,640/mo
Today · 4.125%
HK$290,536
baseline
▲ 0.50% · 4.625%
HK$308,215
+HK$17,679/mo
Deposit HK$39.97M · loan HK$59.95M · min. income ≈ HK$581,072/mo (50% DSR)
Upfront cash ≈ HK$44.21M (deposit + AVD stamp duty HK$4,246,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,146
−HK$16,432/mo
▼ 0.25% · 3.875%
HK$312,303
−HK$8,275/mo
Today · 4.125%
HK$320,578
baseline
▲ 0.50% · 4.625%
HK$337,476
+HK$16,898/mo
Deposit HK$39.97M · loan HK$59.95M · min. income ≈ HK$641,156/mo (50% DSR)
Upfront cash ≈ HK$44.21M (deposit + AVD stamp duty HK$4,246,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,957
−HK$20,002/mo
▼ 0.25% · 3.875%
HK$328,879
−HK$10,080/mo
Today · 4.125%
HK$338,959
baseline
▲ 0.50% · 4.625%
HK$359,584
+HK$20,625/mo
Deposit HK$29.97M · loan HK$69.94M · min. income ≈ HK$677,918/mo (50% DSR)
Upfront cash ≈ HK$34.22M (deposit + AVD stamp duty HK$4,246,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$354,837
−HK$19,171/mo
▼ 0.25% · 3.875%
HK$364,353
−HK$9,655/mo
Today · 4.125%
HK$374,008
baseline
▲ 0.50% · 4.625%
HK$393,722
+HK$19,714/mo
Deposit HK$29.97M · loan HK$69.94M · min. income ≈ HK$748,016/mo (50% DSR)
Upfront cash ≈ HK$34.22M (deposit + AVD stamp duty HK$4,246,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$410,088
−HK$25,716/mo
▼ 0.25% · 3.875%
HK$422,844
−HK$12,960/mo
Today · 4.125%
HK$435,804
baseline
▲ 0.50% · 4.625%
HK$462,322
+HK$26,518/mo
Deposit HK$9.99M · loan HK$89.92M · min. income ≈ HK$871,608/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$4,246,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$456,219
−HK$24,648/mo
▼ 0.25% · 3.875%
HK$468,454
−HK$12,413/mo
Today · 4.125%
HK$480,867
baseline
▲ 0.50% · 4.625%
HK$506,214
+HK$25,347/mo
Deposit HK$9.99M · loan HK$89.92M · min. income ≈ HK$961,734/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$4,246,293 · Scale 2, in force from 26 Feb 2026)