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$225,907
−HK$14,166/mo
▼ 0.25% · 3.875%
HK$232,934
−HK$7,139/mo
Today · 4.125%
HK$240,073
baseline
▲ 0.50% · 4.625%
HK$254,681
+HK$14,608/mo
Deposit HK$49.54M · loan HK$49.54M · min. income ≈ HK$480,146/mo (50% DSR)
Upfront cash ≈ HK$53.75M (deposit + AVD stamp duty HK$4,210,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,319
−HK$13,578/mo
▼ 0.25% · 3.875%
HK$258,059
−HK$6,838/mo
Today · 4.125%
HK$264,897
baseline
▲ 0.50% · 4.625%
HK$278,860
+HK$13,963/mo
Deposit HK$49.54M · loan HK$49.54M · min. income ≈ HK$529,794/mo (50% DSR)
Upfront cash ≈ HK$53.75M (deposit + AVD stamp duty HK$4,210,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,088
−HK$17,000/mo
▼ 0.25% · 3.875%
HK$279,520
−HK$8,568/mo
Today · 4.125%
HK$288,088
baseline
▲ 0.50% · 4.625%
HK$305,617
+HK$17,529/mo
Deposit HK$39.63M · loan HK$59.44M · min. income ≈ HK$576,176/mo (50% DSR)
Upfront cash ≈ HK$43.84M (deposit + AVD stamp duty HK$4,210,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,583
−HK$16,293/mo
▼ 0.25% · 3.875%
HK$309,671
−HK$8,205/mo
Today · 4.125%
HK$317,876
baseline
▲ 0.50% · 4.625%
HK$334,632
+HK$16,756/mo
Deposit HK$39.63M · loan HK$59.44M · min. income ≈ HK$635,752/mo (50% DSR)
Upfront cash ≈ HK$43.84M (deposit + AVD stamp duty HK$4,210,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,269
−HK$19,833/mo
▼ 0.25% · 3.875%
HK$326,107
−HK$9,995/mo
Today · 4.125%
HK$336,102
baseline
▲ 0.50% · 4.625%
HK$356,553
+HK$20,451/mo
Deposit HK$29.72M · loan HK$69.35M · min. income ≈ HK$672,204/mo (50% DSR)
Upfront cash ≈ HK$33.93M (deposit + AVD stamp duty HK$4,210,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$351,846
−HK$19,009/mo
▼ 0.25% · 3.875%
HK$361,283
−HK$9,572/mo
Today · 4.125%
HK$370,855
baseline
▲ 0.50% · 4.625%
HK$390,404
+HK$19,549/mo
Deposit HK$29.72M · loan HK$69.35M · min. income ≈ HK$741,710/mo (50% DSR)
Upfront cash ≈ HK$33.93M (deposit + AVD stamp duty HK$4,210,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$406,632
−HK$25,499/mo
▼ 0.25% · 3.875%
HK$419,280
−HK$12,851/mo
Today · 4.125%
HK$432,131
baseline
▲ 0.50% · 4.625%
HK$458,425
+HK$26,294/mo
Deposit HK$9.91M · loan HK$89.16M · min. income ≈ HK$864,262/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$4,210,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$452,374
−HK$24,440/mo
▼ 0.25% · 3.875%
HK$464,506
−HK$12,308/mo
Today · 4.125%
HK$476,814
baseline
▲ 0.50% · 4.625%
HK$501,948
+HK$25,134/mo
Deposit HK$9.91M · loan HK$89.16M · min. income ≈ HK$953,628/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$4,210,505 · Scale 2, in force from 26 Feb 2026)