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$214,779
−HK$13,469/mo
▼ 0.25% · 3.875%
HK$221,460
−HK$6,788/mo
Today · 4.125%
HK$228,248
baseline
▲ 0.50% · 4.625%
HK$242,136
+HK$13,888/mo
Deposit HK$47.10M · loan HK$47.10M · min. income ≈ HK$456,496/mo (50% DSR)
Upfront cash ≈ HK$51.10M (deposit + AVD stamp duty HK$4,003,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,940
−HK$12,909/mo
▼ 0.25% · 3.875%
HK$245,348
−HK$6,501/mo
Today · 4.125%
HK$251,849
baseline
▲ 0.50% · 4.625%
HK$265,124
+HK$13,275/mo
Deposit HK$47.10M · loan HK$47.10M · min. income ≈ HK$503,698/mo (50% DSR)
Upfront cash ≈ HK$51.10M (deposit + AVD stamp duty HK$4,003,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,735
−HK$16,162/mo
▼ 0.25% · 3.875%
HK$265,752
−HK$8,145/mo
Today · 4.125%
HK$273,897
baseline
▲ 0.50% · 4.625%
HK$290,564
+HK$16,667/mo
Deposit HK$37.68M · loan HK$56.51M · min. income ≈ HK$547,794/mo (50% DSR)
Upfront cash ≈ HK$41.68M (deposit + AVD stamp duty HK$4,003,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,728
−HK$15,491/mo
▼ 0.25% · 3.875%
HK$294,418
−HK$7,801/mo
Today · 4.125%
HK$302,219
baseline
▲ 0.50% · 4.625%
HK$318,149
+HK$15,930/mo
Deposit HK$37.68M · loan HK$56.51M · min. income ≈ HK$604,438/mo (50% DSR)
Upfront cash ≈ HK$41.68M (deposit + AVD stamp duty HK$4,003,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,691
−HK$18,856/mo
▼ 0.25% · 3.875%
HK$310,044
−HK$9,503/mo
Today · 4.125%
HK$319,547
baseline
▲ 0.50% · 4.625%
HK$338,991
+HK$19,444/mo
Deposit HK$28.26M · loan HK$65.93M · min. income ≈ HK$639,094/mo (50% DSR)
Upfront cash ≈ HK$32.26M (deposit + AVD stamp duty HK$4,003,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$334,516
−HK$18,073/mo
▼ 0.25% · 3.875%
HK$343,487
−HK$9,102/mo
Today · 4.125%
HK$352,589
baseline
▲ 0.50% · 4.625%
HK$371,174
+HK$18,585/mo
Deposit HK$28.26M · loan HK$65.93M · min. income ≈ HK$705,178/mo (50% DSR)
Upfront cash ≈ HK$32.26M (deposit + AVD stamp duty HK$4,003,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$386,603
−HK$24,243/mo
▼ 0.25% · 3.875%
HK$398,628
−HK$12,218/mo
Today · 4.125%
HK$410,846
baseline
▲ 0.50% · 4.625%
HK$435,845
+HK$24,999/mo
Deposit HK$9.42M · loan HK$84.77M · min. income ≈ HK$821,692/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$4,003,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$430,092
−HK$23,236/mo
▼ 0.25% · 3.875%
HK$441,627
−HK$11,701/mo
Today · 4.125%
HK$453,328
baseline
▲ 0.50% · 4.625%
HK$477,224
+HK$23,896/mo
Deposit HK$9.42M · loan HK$84.77M · min. income ≈ HK$906,656/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$4,003,113 · Scale 2, in force from 26 Feb 2026)