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$218,822
−HK$13,722/mo
▼ 0.25% · 3.875%
HK$225,629
−HK$6,915/mo
Today · 4.125%
HK$232,544
baseline
▲ 0.50% · 4.625%
HK$246,694
+HK$14,150/mo
Deposit HK$47.98M · loan HK$47.98M · min. income ≈ HK$465,088/mo (50% DSR)
Upfront cash ≈ HK$52.06M (deposit + AVD stamp duty HK$4,078,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,437
−HK$13,153/mo
▼ 0.25% · 3.875%
HK$249,966
−HK$6,624/mo
Today · 4.125%
HK$256,590
baseline
▲ 0.50% · 4.625%
HK$270,115
+HK$13,525/mo
Deposit HK$47.98M · loan HK$47.98M · min. income ≈ HK$513,180/mo (50% DSR)
Upfront cash ≈ HK$52.06M (deposit + AVD stamp duty HK$4,078,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,587
−HK$16,466/mo
▼ 0.25% · 3.875%
HK$270,755
−HK$8,298/mo
Today · 4.125%
HK$279,053
baseline
▲ 0.50% · 4.625%
HK$296,033
+HK$16,980/mo
Deposit HK$38.39M · loan HK$57.58M · min. income ≈ HK$558,106/mo (50% DSR)
Upfront cash ≈ HK$42.46M (deposit + AVD stamp duty HK$4,078,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,125
−HK$15,783/mo
▼ 0.25% · 3.875%
HK$299,960
−HK$7,948/mo
Today · 4.125%
HK$307,908
baseline
▲ 0.50% · 4.625%
HK$324,138
+HK$16,230/mo
Deposit HK$38.39M · loan HK$57.58M · min. income ≈ HK$615,816/mo (50% DSR)
Upfront cash ≈ HK$42.46M (deposit + AVD stamp duty HK$4,078,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,351
−HK$19,211/mo
▼ 0.25% · 3.875%
HK$315,880
−HK$9,682/mo
Today · 4.125%
HK$325,562
baseline
▲ 0.50% · 4.625%
HK$345,372
+HK$19,810/mo
Deposit HK$28.79M · loan HK$67.17M · min. income ≈ HK$651,124/mo (50% DSR)
Upfront cash ≈ HK$32.87M (deposit + AVD stamp duty HK$4,078,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$340,812
−HK$18,414/mo
▼ 0.25% · 3.875%
HK$349,953
−HK$9,273/mo
Today · 4.125%
HK$359,226
baseline
▲ 0.50% · 4.625%
HK$378,161
+HK$18,935/mo
Deposit HK$28.79M · loan HK$67.17M · min. income ≈ HK$718,452/mo (50% DSR)
Upfront cash ≈ HK$32.87M (deposit + AVD stamp duty HK$4,078,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$393,880
−HK$24,700/mo
▼ 0.25% · 3.875%
HK$406,132
−HK$12,448/mo
Today · 4.125%
HK$418,580
baseline
▲ 0.50% · 4.625%
HK$444,049
+HK$25,469/mo
Deposit HK$9.60M · loan HK$86.37M · min. income ≈ HK$837,160/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$4,078,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$438,187
−HK$23,674/mo
▼ 0.25% · 3.875%
HK$449,939
−HK$11,922/mo
Today · 4.125%
HK$461,861
baseline
▲ 0.50% · 4.625%
HK$486,207
+HK$24,346/mo
Deposit HK$9.60M · loan HK$86.37M · min. income ≈ HK$923,722/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$4,078,464 · Scale 2, in force from 26 Feb 2026)