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$227,947
−HK$14,295/mo
▼ 0.25% · 3.875%
HK$235,038
−HK$7,204/mo
Today · 4.125%
HK$242,242
baseline
▲ 0.50% · 4.625%
HK$256,981
+HK$14,739/mo
Deposit HK$49.98M · loan HK$49.98M · min. income ≈ HK$484,484/mo (50% DSR)
Upfront cash ≈ HK$54.23M (deposit + AVD stamp duty HK$4,248,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,589
−HK$13,701/mo
▼ 0.25% · 3.875%
HK$260,390
−HK$6,900/mo
Today · 4.125%
HK$267,290
baseline
▲ 0.50% · 4.625%
HK$281,379
+HK$14,089/mo
Deposit HK$49.98M · loan HK$49.98M · min. income ≈ HK$534,580/mo (50% DSR)
Upfront cash ≈ HK$54.23M (deposit + AVD stamp duty HK$4,248,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,537
−HK$17,153/mo
▼ 0.25% · 3.875%
HK$282,045
−HK$8,645/mo
Today · 4.125%
HK$290,690
baseline
▲ 0.50% · 4.625%
HK$308,378
+HK$17,688/mo
Deposit HK$39.99M · loan HK$59.98M · min. income ≈ HK$581,380/mo (50% DSR)
Upfront cash ≈ HK$44.23M (deposit + AVD stamp duty HK$4,248,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,307
−HK$16,441/mo
▼ 0.25% · 3.875%
HK$312,468
−HK$8,280/mo
Today · 4.125%
HK$320,748
baseline
▲ 0.50% · 4.625%
HK$337,655
+HK$16,907/mo
Deposit HK$39.99M · loan HK$59.98M · min. income ≈ HK$641,496/mo (50% DSR)
Upfront cash ≈ HK$44.23M (deposit + AVD stamp duty HK$4,248,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$319,126
−HK$20,012/mo
▼ 0.25% · 3.875%
HK$329,053
−HK$10,085/mo
Today · 4.125%
HK$339,138
baseline
▲ 0.50% · 4.625%
HK$359,774
+HK$20,636/mo
Deposit HK$29.99M · loan HK$69.98M · min. income ≈ HK$678,276/mo (50% DSR)
Upfront cash ≈ HK$34.24M (deposit + AVD stamp duty HK$4,248,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$355,025
−HK$19,181/mo
▼ 0.25% · 3.875%
HK$364,546
−HK$9,660/mo
Today · 4.125%
HK$374,206
baseline
▲ 0.50% · 4.625%
HK$393,930
+HK$19,724/mo
Deposit HK$29.99M · loan HK$69.98M · min. income ≈ HK$748,412/mo (50% DSR)
Upfront cash ≈ HK$34.24M (deposit + AVD stamp duty HK$4,248,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$410,305
−HK$25,730/mo
▼ 0.25% · 3.875%
HK$423,068
−HK$12,967/mo
Today · 4.125%
HK$436,035
baseline
▲ 0.50% · 4.625%
HK$462,566
+HK$26,531/mo
Deposit HK$10.00M · loan HK$89.97M · min. income ≈ HK$872,070/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$4,248,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$456,460
−HK$24,661/mo
▼ 0.25% · 3.875%
HK$468,702
−HK$12,419/mo
Today · 4.125%
HK$481,121
baseline
▲ 0.50% · 4.625%
HK$506,482
+HK$25,361/mo
Deposit HK$10.00M · loan HK$89.97M · min. income ≈ HK$962,242/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$4,248,539 · Scale 2, in force from 26 Feb 2026)