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$239,360
−HK$15,010/mo
▼ 0.25% · 3.875%
HK$246,805
−HK$7,565/mo
Today · 4.125%
HK$254,370
baseline
▲ 0.50% · 4.625%
HK$269,848
+HK$15,478/mo
Deposit HK$52.49M · loan HK$52.49M · min. income ≈ HK$508,740/mo (50% DSR)
Upfront cash ≈ HK$58.23M (deposit + AVD stamp duty HK$5,741,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,286
−HK$14,386/mo
▼ 0.25% · 3.875%
HK$273,427
−HK$7,245/mo
Today · 4.125%
HK$280,672
baseline
▲ 0.50% · 4.625%
HK$295,467
+HK$14,795/mo
Deposit HK$52.49M · loan HK$52.49M · min. income ≈ HK$561,344/mo (50% DSR)
Upfront cash ≈ HK$58.23M (deposit + AVD stamp duty HK$5,741,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,232
−HK$18,012/mo
▼ 0.25% · 3.875%
HK$296,167
−HK$9,077/mo
Today · 4.125%
HK$305,244
baseline
▲ 0.50% · 4.625%
HK$323,817
+HK$18,573/mo
Deposit HK$41.99M · loan HK$62.98M · min. income ≈ HK$610,488/mo (50% DSR)
Upfront cash ≈ HK$47.73M (deposit + AVD stamp duty HK$5,741,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$319,543
−HK$17,264/mo
▼ 0.25% · 3.875%
HK$328,113
−HK$8,694/mo
Today · 4.125%
HK$336,807
baseline
▲ 0.50% · 4.625%
HK$354,560
+HK$17,753/mo
Deposit HK$41.99M · loan HK$62.98M · min. income ≈ HK$673,614/mo (50% DSR)
Upfront cash ≈ HK$47.73M (deposit + AVD stamp duty HK$5,741,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$335,104
−HK$21,014/mo
▼ 0.25% · 3.875%
HK$345,528
−HK$10,590/mo
Today · 4.125%
HK$356,118
baseline
▲ 0.50% · 4.625%
HK$377,787
+HK$21,669/mo
Deposit HK$31.49M · loan HK$73.48M · min. income ≈ HK$712,236/mo (50% DSR)
Upfront cash ≈ HK$37.23M (deposit + AVD stamp duty HK$5,741,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$372,800
−HK$20,141/mo
▼ 0.25% · 3.875%
HK$382,798
−HK$10,143/mo
Today · 4.125%
HK$392,941
baseline
▲ 0.50% · 4.625%
HK$413,653
+HK$20,712/mo
Deposit HK$31.49M · loan HK$73.48M · min. income ≈ HK$785,882/mo (50% DSR)
Upfront cash ≈ HK$37.23M (deposit + AVD stamp duty HK$5,741,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$430,848
−HK$27,018/mo
▼ 0.25% · 3.875%
HK$444,250
−HK$13,616/mo
Today · 4.125%
HK$457,866
baseline
▲ 0.50% · 4.625%
HK$485,726
+HK$27,860/mo
Deposit HK$10.50M · loan HK$94.47M · min. income ≈ HK$915,732/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$5,741,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$479,314
−HK$25,896/mo
▼ 0.25% · 3.875%
HK$492,169
−HK$13,041/mo
Today · 4.125%
HK$505,210
baseline
▲ 0.50% · 4.625%
HK$531,840
+HK$26,630/mo
Deposit HK$10.50M · loan HK$94.47M · min. income ≈ HK$1,010,420/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$5,741,191 · Scale 2, in force from 26 Feb 2026)