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$237,747
−HK$14,909/mo
▼ 0.25% · 3.875%
HK$245,143
−HK$7,513/mo
Today · 4.125%
HK$252,656
baseline
▲ 0.50% · 4.625%
HK$268,030
+HK$15,374/mo
Deposit HK$52.13M · loan HK$52.13M · min. income ≈ HK$505,312/mo (50% DSR)
Upfront cash ≈ HK$57.66M (deposit + AVD stamp duty HK$5,529,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,492
−HK$14,289/mo
▼ 0.25% · 3.875%
HK$271,585
−HK$7,196/mo
Today · 4.125%
HK$278,781
baseline
▲ 0.50% · 4.625%
HK$293,476
+HK$14,695/mo
Deposit HK$52.13M · loan HK$52.13M · min. income ≈ HK$557,562/mo (50% DSR)
Upfront cash ≈ HK$57.66M (deposit + AVD stamp duty HK$5,529,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,297
−HK$17,890/mo
▼ 0.25% · 3.875%
HK$294,171
−HK$9,016/mo
Today · 4.125%
HK$303,187
baseline
▲ 0.50% · 4.625%
HK$321,636
+HK$18,449/mo
Deposit HK$41.71M · loan HK$62.56M · min. income ≈ HK$606,374/mo (50% DSR)
Upfront cash ≈ HK$47.23M (deposit + AVD stamp duty HK$5,529,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,390
−HK$17,147/mo
▼ 0.25% · 3.875%
HK$325,902
−HK$8,635/mo
Today · 4.125%
HK$334,537
baseline
▲ 0.50% · 4.625%
HK$352,171
+HK$17,634/mo
Deposit HK$41.71M · loan HK$62.56M · min. income ≈ HK$669,074/mo (50% DSR)
Upfront cash ≈ HK$47.23M (deposit + AVD stamp duty HK$5,529,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$332,846
−HK$20,873/mo
▼ 0.25% · 3.875%
HK$343,200
−HK$10,519/mo
Today · 4.125%
HK$353,719
baseline
▲ 0.50% · 4.625%
HK$375,242
+HK$21,523/mo
Deposit HK$31.28M · loan HK$72.98M · min. income ≈ HK$707,438/mo (50% DSR)
Upfront cash ≈ HK$36.81M (deposit + AVD stamp duty HK$5,529,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$370,288
−HK$20,006/mo
▼ 0.25% · 3.875%
HK$380,219
−HK$10,075/mo
Today · 4.125%
HK$390,294
baseline
▲ 0.50% · 4.625%
HK$410,867
+HK$20,573/mo
Deposit HK$31.28M · loan HK$72.98M · min. income ≈ HK$780,588/mo (50% DSR)
Upfront cash ≈ HK$36.81M (deposit + AVD stamp duty HK$5,529,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$427,945
−HK$26,836/mo
▼ 0.25% · 3.875%
HK$441,257
−HK$13,524/mo
Today · 4.125%
HK$454,781
baseline
▲ 0.50% · 4.625%
HK$482,454
+HK$27,673/mo
Deposit HK$10.43M · loan HK$93.84M · min. income ≈ HK$909,562/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$5,529,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$476,085
−HK$25,721/mo
▼ 0.25% · 3.875%
HK$488,853
−HK$12,953/mo
Today · 4.125%
HK$501,806
baseline
▲ 0.50% · 4.625%
HK$528,257
+HK$26,451/mo
Deposit HK$10.43M · loan HK$93.84M · min. income ≈ HK$1,003,612/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$5,529,030 · Scale 2, in force from 26 Feb 2026)