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$221,105
−HK$13,865/mo
▼ 0.25% · 3.875%
HK$227,983
−HK$6,987/mo
Today · 4.125%
HK$234,970
baseline
▲ 0.50% · 4.625%
HK$249,268
+HK$14,298/mo
Deposit HK$48.48M · loan HK$48.48M · min. income ≈ HK$469,940/mo (50% DSR)
Upfront cash ≈ HK$52.60M (deposit + AVD stamp duty HK$4,121,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,977
−HK$13,290/mo
▼ 0.25% · 3.875%
HK$252,574
−HK$6,693/mo
Today · 4.125%
HK$259,267
baseline
▲ 0.50% · 4.625%
HK$272,933
+HK$13,666/mo
Deposit HK$48.48M · loan HK$48.48M · min. income ≈ HK$518,534/mo (50% DSR)
Upfront cash ≈ HK$52.60M (deposit + AVD stamp duty HK$4,121,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,326
−HK$16,638/mo
▼ 0.25% · 3.875%
HK$273,579
−HK$8,385/mo
Today · 4.125%
HK$281,964
baseline
▲ 0.50% · 4.625%
HK$299,121
+HK$17,157/mo
Deposit HK$38.79M · loan HK$58.18M · min. income ≈ HK$563,928/mo (50% DSR)
Upfront cash ≈ HK$42.91M (deposit + AVD stamp duty HK$4,121,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,173
−HK$15,947/mo
▼ 0.25% · 3.875%
HK$303,089
−HK$8,031/mo
Today · 4.125%
HK$311,120
baseline
▲ 0.50% · 4.625%
HK$327,519
+HK$16,399/mo
Deposit HK$38.79M · loan HK$58.18M · min. income ≈ HK$622,240/mo (50% DSR)
Upfront cash ≈ HK$42.91M (deposit + AVD stamp duty HK$4,121,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,547
−HK$19,411/mo
▼ 0.25% · 3.875%
HK$319,176
−HK$9,782/mo
Today · 4.125%
HK$328,958
baseline
▲ 0.50% · 4.625%
HK$348,975
+HK$20,017/mo
Deposit HK$29.09M · loan HK$67.88M · min. income ≈ HK$657,916/mo (50% DSR)
Upfront cash ≈ HK$33.21M (deposit + AVD stamp duty HK$4,121,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$344,368
−HK$18,605/mo
▼ 0.25% · 3.875%
HK$353,604
−HK$9,369/mo
Today · 4.125%
HK$362,973
baseline
▲ 0.50% · 4.625%
HK$382,106
+HK$19,133/mo
Deposit HK$29.09M · loan HK$67.88M · min. income ≈ HK$725,946/mo (50% DSR)
Upfront cash ≈ HK$33.21M (deposit + AVD stamp duty HK$4,121,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$397,989
−HK$24,958/mo
▼ 0.25% · 3.875%
HK$410,369
−HK$12,578/mo
Today · 4.125%
HK$422,947
baseline
▲ 0.50% · 4.625%
HK$448,682
+HK$25,735/mo
Deposit HK$9.70M · loan HK$87.27M · min. income ≈ HK$845,894/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$4,121,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$442,759
−HK$23,921/mo
▼ 0.25% · 3.875%
HK$454,633
−HK$12,047/mo
Today · 4.125%
HK$466,680
baseline
▲ 0.50% · 4.625%
HK$491,279
+HK$24,599/mo
Deposit HK$9.70M · loan HK$87.27M · min. income ≈ HK$933,360/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$4,121,013 · Scale 2, in force from 26 Feb 2026)