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$238,452
−HK$14,953/mo
▼ 0.25% · 3.875%
HK$245,870
−HK$7,535/mo
Today · 4.125%
HK$253,405
baseline
▲ 0.50% · 4.625%
HK$268,825
+HK$15,420/mo
Deposit HK$52.29M · loan HK$52.29M · min. income ≈ HK$506,810/mo (50% DSR)
Upfront cash ≈ HK$57.91M (deposit + AVD stamp duty HK$5,621,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,276
−HK$14,332/mo
▼ 0.25% · 3.875%
HK$272,390
−HK$7,218/mo
Today · 4.125%
HK$279,608
baseline
▲ 0.50% · 4.625%
HK$294,346
+HK$14,738/mo
Deposit HK$52.29M · loan HK$52.29M · min. income ≈ HK$559,216/mo (50% DSR)
Upfront cash ≈ HK$57.91M (deposit + AVD stamp duty HK$5,621,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,143
−HK$17,944/mo
▼ 0.25% · 3.875%
HK$295,044
−HK$9,043/mo
Today · 4.125%
HK$304,087
baseline
▲ 0.50% · 4.625%
HK$322,590
+HK$18,503/mo
Deposit HK$41.83M · loan HK$62.74M · min. income ≈ HK$608,174/mo (50% DSR)
Upfront cash ≈ HK$47.45M (deposit + AVD stamp duty HK$5,621,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,331
−HK$17,199/mo
▼ 0.25% · 3.875%
HK$326,869
−HK$8,661/mo
Today · 4.125%
HK$335,530
baseline
▲ 0.50% · 4.625%
HK$353,216
+HK$17,686/mo
Deposit HK$41.83M · loan HK$62.74M · min. income ≈ HK$671,060/mo (50% DSR)
Upfront cash ≈ HK$47.45M (deposit + AVD stamp duty HK$5,621,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$333,833
−HK$20,935/mo
▼ 0.25% · 3.875%
HK$344,217
−HK$10,551/mo
Today · 4.125%
HK$354,768
baseline
▲ 0.50% · 4.625%
HK$376,354
+HK$21,586/mo
Deposit HK$31.37M · loan HK$73.20M · min. income ≈ HK$709,536/mo (50% DSR)
Upfront cash ≈ HK$36.99M (deposit + AVD stamp duty HK$5,621,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$371,386
−HK$20,065/mo
▼ 0.25% · 3.875%
HK$381,347
−HK$10,104/mo
Today · 4.125%
HK$391,451
baseline
▲ 0.50% · 4.625%
HK$412,085
+HK$20,634/mo
Deposit HK$31.37M · loan HK$73.20M · min. income ≈ HK$782,902/mo (50% DSR)
Upfront cash ≈ HK$36.99M (deposit + AVD stamp duty HK$5,621,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$429,214
−HK$26,916/mo
▼ 0.25% · 3.875%
HK$442,565
−HK$13,565/mo
Today · 4.125%
HK$456,130
baseline
▲ 0.50% · 4.625%
HK$483,884
+HK$27,754/mo
Deposit HK$10.46M · loan HK$94.12M · min. income ≈ HK$912,260/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$5,621,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$477,497
−HK$25,797/mo
▼ 0.25% · 3.875%
HK$490,303
−HK$12,991/mo
Today · 4.125%
HK$503,294
baseline
▲ 0.50% · 4.625%
HK$529,824
+HK$26,530/mo
Deposit HK$10.46M · loan HK$94.12M · min. income ≈ HK$1,006,588/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$5,621,787 · Scale 2, in force from 26 Feb 2026)