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$225,103
−HK$14,116/mo
▼ 0.25% · 3.875%
HK$232,105
−HK$7,114/mo
Today · 4.125%
HK$239,219
baseline
▲ 0.50% · 4.625%
HK$253,775
+HK$14,556/mo
Deposit HK$49.36M · loan HK$49.36M · min. income ≈ HK$478,438/mo (50% DSR)
Upfront cash ≈ HK$53.55M (deposit + AVD stamp duty HK$4,195,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,425
−HK$13,530/mo
▼ 0.25% · 3.875%
HK$257,141
−HK$6,814/mo
Today · 4.125%
HK$263,955
baseline
▲ 0.50% · 4.625%
HK$277,868
+HK$13,913/mo
Deposit HK$49.36M · loan HK$49.36M · min. income ≈ HK$527,910/mo (50% DSR)
Upfront cash ≈ HK$53.55M (deposit + AVD stamp duty HK$4,195,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,124
−HK$16,939/mo
▼ 0.25% · 3.875%
HK$278,526
−HK$8,537/mo
Today · 4.125%
HK$287,063
baseline
▲ 0.50% · 4.625%
HK$304,530
+HK$17,467/mo
Deposit HK$39.49M · loan HK$59.23M · min. income ≈ HK$574,126/mo (50% DSR)
Upfront cash ≈ HK$43.68M (deposit + AVD stamp duty HK$4,195,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,510
−HK$16,235/mo
▼ 0.25% · 3.875%
HK$308,569
−HK$8,176/mo
Today · 4.125%
HK$316,745
baseline
▲ 0.50% · 4.625%
HK$333,442
+HK$16,697/mo
Deposit HK$39.49M · loan HK$59.23M · min. income ≈ HK$633,490/mo (50% DSR)
Upfront cash ≈ HK$43.68M (deposit + AVD stamp duty HK$4,195,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$315,144
−HK$19,763/mo
▼ 0.25% · 3.875%
HK$324,947
−HK$9,960/mo
Today · 4.125%
HK$334,907
baseline
▲ 0.50% · 4.625%
HK$355,285
+HK$20,378/mo
Deposit HK$29.62M · loan HK$69.10M · min. income ≈ HK$669,814/mo (50% DSR)
Upfront cash ≈ HK$33.81M (deposit + AVD stamp duty HK$4,195,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$350,595
−HK$18,941/mo
▼ 0.25% · 3.875%
HK$359,998
−HK$9,538/mo
Today · 4.125%
HK$369,536
baseline
▲ 0.50% · 4.625%
HK$389,015
+HK$19,479/mo
Deposit HK$29.62M · loan HK$69.10M · min. income ≈ HK$739,072/mo (50% DSR)
Upfront cash ≈ HK$33.81M (deposit + AVD stamp duty HK$4,195,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$405,186
−HK$25,408/mo
▼ 0.25% · 3.875%
HK$417,789
−HK$12,805/mo
Today · 4.125%
HK$430,594
baseline
▲ 0.50% · 4.625%
HK$456,795
+HK$26,201/mo
Deposit HK$9.87M · loan HK$88.85M · min. income ≈ HK$861,188/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$4,195,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$450,765
−HK$24,353/mo
▼ 0.25% · 3.875%
HK$462,854
−HK$12,264/mo
Today · 4.125%
HK$475,118
baseline
▲ 0.50% · 4.625%
HK$500,162
+HK$25,044/mo
Deposit HK$9.87M · loan HK$88.85M · min. income ≈ HK$950,236/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$4,195,529 · Scale 2, in force from 26 Feb 2026)