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$228,689
−HK$14,340/mo
▼ 0.25% · 3.875%
HK$235,802
−HK$7,227/mo
Today · 4.125%
HK$243,029
baseline
▲ 0.50% · 4.625%
HK$257,817
+HK$14,788/mo
Deposit HK$50.15M · loan HK$50.15M · min. income ≈ HK$486,058/mo (50% DSR)
Upfront cash ≈ HK$54.48M (deposit + AVD stamp duty HK$4,337,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,414
−HK$13,745/mo
▼ 0.25% · 3.875%
HK$261,237
−HK$6,922/mo
Today · 4.125%
HK$268,159
baseline
▲ 0.50% · 4.625%
HK$282,294
+HK$14,135/mo
Deposit HK$50.15M · loan HK$50.15M · min. income ≈ HK$536,318/mo (50% DSR)
Upfront cash ≈ HK$54.48M (deposit + AVD stamp duty HK$4,337,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,426
−HK$17,209/mo
▼ 0.25% · 3.875%
HK$282,963
−HK$8,672/mo
Today · 4.125%
HK$291,635
baseline
▲ 0.50% · 4.625%
HK$309,381
+HK$17,746/mo
Deposit HK$40.12M · loan HK$60.17M · min. income ≈ HK$583,270/mo (50% DSR)
Upfront cash ≈ HK$44.45M (deposit + AVD stamp duty HK$4,337,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,297
−HK$16,494/mo
▼ 0.25% · 3.875%
HK$313,484
−HK$8,307/mo
Today · 4.125%
HK$321,791
baseline
▲ 0.50% · 4.625%
HK$338,753
+HK$16,962/mo
Deposit HK$40.12M · loan HK$60.17M · min. income ≈ HK$643,582/mo (50% DSR)
Upfront cash ≈ HK$44.45M (deposit + AVD stamp duty HK$4,337,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$320,164
−HK$20,077/mo
▼ 0.25% · 3.875%
HK$330,123
−HK$10,118/mo
Today · 4.125%
HK$340,241
baseline
▲ 0.50% · 4.625%
HK$360,944
+HK$20,703/mo
Deposit HK$30.09M · loan HK$70.20M · min. income ≈ HK$680,482/mo (50% DSR)
Upfront cash ≈ HK$34.42M (deposit + AVD stamp duty HK$4,337,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$356,179
−HK$19,244/mo
▼ 0.25% · 3.875%
HK$365,732
−HK$9,691/mo
Today · 4.125%
HK$375,423
baseline
▲ 0.50% · 4.625%
HK$395,212
+HK$19,789/mo
Deposit HK$30.09M · loan HK$70.20M · min. income ≈ HK$750,846/mo (50% DSR)
Upfront cash ≈ HK$34.42M (deposit + AVD stamp duty HK$4,337,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$411,639
−HK$25,814/mo
▼ 0.25% · 3.875%
HK$424,444
−HK$13,009/mo
Today · 4.125%
HK$437,453
baseline
▲ 0.50% · 4.625%
HK$464,071
+HK$26,618/mo
Deposit HK$10.03M · loan HK$90.26M · min. income ≈ HK$874,906/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$4,337,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$457,945
−HK$24,741/mo
▼ 0.25% · 3.875%
HK$470,227
−HK$12,459/mo
Today · 4.125%
HK$482,686
baseline
▲ 0.50% · 4.625%
HK$508,129
+HK$25,443/mo
Deposit HK$10.03M · loan HK$90.26M · min. income ≈ HK$965,372/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$4,337,220 · Scale 2, in force from 26 Feb 2026)