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$222,573
−HK$13,958/mo
▼ 0.25% · 3.875%
HK$229,497
−HK$7,034/mo
Today · 4.125%
HK$236,531
baseline
▲ 0.50% · 4.625%
HK$250,923
+HK$14,392/mo
Deposit HK$48.80M · loan HK$48.80M · min. income ≈ HK$473,062/mo (50% DSR)
Upfront cash ≈ HK$52.95M (deposit + AVD stamp duty HK$4,148,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,611
−HK$13,377/mo
▼ 0.25% · 3.875%
HK$254,251
−HK$6,737/mo
Today · 4.125%
HK$260,988
baseline
▲ 0.50% · 4.625%
HK$274,745
+HK$13,757/mo
Deposit HK$48.80M · loan HK$48.80M · min. income ≈ HK$521,976/mo (50% DSR)
Upfront cash ≈ HK$52.95M (deposit + AVD stamp duty HK$4,148,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,088
−HK$16,749/mo
▼ 0.25% · 3.875%
HK$275,396
−HK$8,441/mo
Today · 4.125%
HK$283,837
baseline
▲ 0.50% · 4.625%
HK$301,108
+HK$17,271/mo
Deposit HK$39.04M · loan HK$58.57M · min. income ≈ HK$567,674/mo (50% DSR)
Upfront cash ≈ HK$43.19M (deposit + AVD stamp duty HK$4,148,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,133
−HK$16,053/mo
▼ 0.25% · 3.875%
HK$305,102
−HK$8,084/mo
Today · 4.125%
HK$313,186
baseline
▲ 0.50% · 4.625%
HK$329,694
+HK$16,508/mo
Deposit HK$39.04M · loan HK$58.57M · min. income ≈ HK$626,372/mo (50% DSR)
Upfront cash ≈ HK$43.19M (deposit + AVD stamp duty HK$4,148,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,603
−HK$19,540/mo
▼ 0.25% · 3.875%
HK$321,295
−HK$9,848/mo
Today · 4.125%
HK$331,143
baseline
▲ 0.50% · 4.625%
HK$351,292
+HK$20,149/mo
Deposit HK$29.28M · loan HK$68.33M · min. income ≈ HK$662,286/mo (50% DSR)
Upfront cash ≈ HK$33.43M (deposit + AVD stamp duty HK$4,148,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$346,655
−HK$18,728/mo
▼ 0.25% · 3.875%
HK$355,952
−HK$9,431/mo
Today · 4.125%
HK$365,383
baseline
▲ 0.50% · 4.625%
HK$384,643
+HK$19,260/mo
Deposit HK$29.28M · loan HK$68.33M · min. income ≈ HK$730,766/mo (50% DSR)
Upfront cash ≈ HK$33.43M (deposit + AVD stamp duty HK$4,148,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$400,632
−HK$25,123/mo
▼ 0.25% · 3.875%
HK$413,094
−HK$12,661/mo
Today · 4.125%
HK$425,755
baseline
▲ 0.50% · 4.625%
HK$451,661
+HK$25,906/mo
Deposit HK$9.76M · loan HK$87.85M · min. income ≈ HK$851,510/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$4,148,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$445,699
−HK$24,080/mo
▼ 0.25% · 3.875%
HK$457,652
−HK$12,127/mo
Today · 4.125%
HK$469,779
baseline
▲ 0.50% · 4.625%
HK$494,541
+HK$24,762/mo
Deposit HK$9.76M · loan HK$87.85M · min. income ≈ HK$939,558/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$4,148,379 · Scale 2, in force from 26 Feb 2026)