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$224,192
−HK$14,058/mo
▼ 0.25% · 3.875%
HK$231,165
−HK$7,085/mo
Today · 4.125%
HK$238,250
baseline
▲ 0.50% · 4.625%
HK$252,747
+HK$14,497/mo
Deposit HK$49.16M · loan HK$49.16M · min. income ≈ HK$476,500/mo (50% DSR)
Upfront cash ≈ HK$53.34M (deposit + AVD stamp duty HK$4,178,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,411
−HK$13,475/mo
▼ 0.25% · 3.875%
HK$256,100
−HK$6,786/mo
Today · 4.125%
HK$262,886
baseline
▲ 0.50% · 4.625%
HK$276,743
+HK$13,857/mo
Deposit HK$49.16M · loan HK$49.16M · min. income ≈ HK$525,772/mo (50% DSR)
Upfront cash ≈ HK$53.34M (deposit + AVD stamp duty HK$4,178,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,030
−HK$16,871/mo
▼ 0.25% · 3.875%
HK$277,398
−HK$8,503/mo
Today · 4.125%
HK$285,901
baseline
▲ 0.50% · 4.625%
HK$303,297
+HK$17,396/mo
Deposit HK$39.33M · loan HK$58.99M · min. income ≈ HK$571,802/mo (50% DSR)
Upfront cash ≈ HK$43.51M (deposit + AVD stamp duty HK$4,178,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,293
−HK$16,170/mo
▼ 0.25% · 3.875%
HK$307,320
−HK$8,143/mo
Today · 4.125%
HK$315,463
baseline
▲ 0.50% · 4.625%
HK$332,092
+HK$16,629/mo
Deposit HK$39.33M · loan HK$58.99M · min. income ≈ HK$630,926/mo (50% DSR)
Upfront cash ≈ HK$43.51M (deposit + AVD stamp duty HK$4,178,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,868
−HK$19,683/mo
▼ 0.25% · 3.875%
HK$323,631
−HK$9,920/mo
Today · 4.125%
HK$333,551
baseline
▲ 0.50% · 4.625%
HK$353,846
+HK$20,295/mo
Deposit HK$29.50M · loan HK$68.82M · min. income ≈ HK$667,102/mo (50% DSR)
Upfront cash ≈ HK$33.67M (deposit + AVD stamp duty HK$4,178,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$349,175
−HK$18,865/mo
▼ 0.25% · 3.875%
HK$358,540
−HK$9,500/mo
Today · 4.125%
HK$368,040
baseline
▲ 0.50% · 4.625%
HK$387,440
+HK$19,400/mo
Deposit HK$29.50M · loan HK$68.82M · min. income ≈ HK$736,080/mo (50% DSR)
Upfront cash ≈ HK$33.67M (deposit + AVD stamp duty HK$4,178,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$403,545
−HK$25,306/mo
▼ 0.25% · 3.875%
HK$416,097
−HK$12,754/mo
Today · 4.125%
HK$428,851
baseline
▲ 0.50% · 4.625%
HK$454,945
+HK$26,094/mo
Deposit HK$9.83M · loan HK$88.49M · min. income ≈ HK$857,702/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$4,178,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$448,940
−HK$24,255/mo
▼ 0.25% · 3.875%
HK$460,980
−HK$12,215/mo
Today · 4.125%
HK$473,195
baseline
▲ 0.50% · 4.625%
HK$498,137
+HK$24,942/mo
Deposit HK$9.83M · loan HK$88.49M · min. income ≈ HK$946,390/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$4,178,541 · Scale 2, in force from 26 Feb 2026)