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$234,812
−HK$14,724/mo
▼ 0.25% · 3.875%
HK$242,115
−HK$7,421/mo
Today · 4.125%
HK$249,536
baseline
▲ 0.50% · 4.625%
HK$264,720
+HK$15,184/mo
Deposit HK$51.49M · loan HK$51.49M · min. income ≈ HK$499,072/mo (50% DSR)
Upfront cash ≈ HK$56.63M (deposit + AVD stamp duty HK$5,142,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,225
−HK$14,114/mo
▼ 0.25% · 3.875%
HK$268,231
−HK$7,108/mo
Today · 4.125%
HK$275,339
baseline
▲ 0.50% · 4.625%
HK$289,852
+HK$14,513/mo
Deposit HK$51.49M · loan HK$51.49M · min. income ≈ HK$550,678/mo (50% DSR)
Upfront cash ≈ HK$56.63M (deposit + AVD stamp duty HK$5,142,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,774
−HK$17,670/mo
▼ 0.25% · 3.875%
HK$290,539
−HK$8,905/mo
Today · 4.125%
HK$299,444
baseline
▲ 0.50% · 4.625%
HK$317,664
+HK$18,220/mo
Deposit HK$41.19M · loan HK$61.79M · min. income ≈ HK$598,888/mo (50% DSR)
Upfront cash ≈ HK$46.33M (deposit + AVD stamp duty HK$5,142,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,471
−HK$16,935/mo
▼ 0.25% · 3.875%
HK$321,878
−HK$8,528/mo
Today · 4.125%
HK$330,406
baseline
▲ 0.50% · 4.625%
HK$347,823
+HK$17,417/mo
Deposit HK$41.19M · loan HK$61.79M · min. income ≈ HK$660,812/mo (50% DSR)
Upfront cash ≈ HK$46.33M (deposit + AVD stamp duty HK$5,142,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,736
−HK$20,615/mo
▼ 0.25% · 3.875%
HK$338,962
−HK$10,389/mo
Today · 4.125%
HK$349,351
baseline
▲ 0.50% · 4.625%
HK$370,608
+HK$21,257/mo
Deposit HK$30.89M · loan HK$72.08M · min. income ≈ HK$698,702/mo (50% DSR)
Upfront cash ≈ HK$36.04M (deposit + AVD stamp duty HK$5,142,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$365,716
−HK$19,758/mo
▼ 0.25% · 3.875%
HK$375,524
−HK$9,950/mo
Today · 4.125%
HK$385,474
baseline
▲ 0.50% · 4.625%
HK$405,793
+HK$20,319/mo
Deposit HK$30.89M · loan HK$72.08M · min. income ≈ HK$770,948/mo (50% DSR)
Upfront cash ≈ HK$36.04M (deposit + AVD stamp duty HK$5,142,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$422,661
−HK$26,504/mo
▼ 0.25% · 3.875%
HK$435,808
−HK$13,357/mo
Today · 4.125%
HK$449,165
baseline
▲ 0.50% · 4.625%
HK$476,496
+HK$27,331/mo
Deposit HK$10.30M · loan HK$92.68M · min. income ≈ HK$898,330/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$5,142,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$470,206
−HK$25,404/mo
▼ 0.25% · 3.875%
HK$482,817
−HK$12,793/mo
Today · 4.125%
HK$495,610
baseline
▲ 0.50% · 4.625%
HK$521,734
+HK$26,124/mo
Deposit HK$10.30M · loan HK$92.68M · min. income ≈ HK$991,220/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$5,142,778 · Scale 2, in force from 26 Feb 2026)