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$239,042
−HK$14,990/mo
▼ 0.25% · 3.875%
HK$246,477
−HK$7,555/mo
Today · 4.125%
HK$254,032
baseline
▲ 0.50% · 4.625%
HK$269,489
+HK$15,457/mo
Deposit HK$52.42M · loan HK$52.42M · min. income ≈ HK$508,064/mo (50% DSR)
Upfront cash ≈ HK$58.11M (deposit + AVD stamp duty HK$5,699,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,932
−HK$14,367/mo
▼ 0.25% · 3.875%
HK$273,064
−HK$7,235/mo
Today · 4.125%
HK$280,299
baseline
▲ 0.50% · 4.625%
HK$295,074
+HK$14,775/mo
Deposit HK$52.42M · loan HK$52.42M · min. income ≈ HK$560,598/mo (50% DSR)
Upfront cash ≈ HK$58.11M (deposit + AVD stamp duty HK$5,699,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,850
−HK$17,988/mo
▼ 0.25% · 3.875%
HK$295,773
−HK$9,065/mo
Today · 4.125%
HK$304,838
baseline
▲ 0.50% · 4.625%
HK$323,387
+HK$18,549/mo
Deposit HK$41.93M · loan HK$62.90M · min. income ≈ HK$609,676/mo (50% DSR)
Upfront cash ≈ HK$47.63M (deposit + AVD stamp duty HK$5,699,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$319,118
−HK$17,241/mo
▼ 0.25% · 3.875%
HK$327,677
−HK$8,682/mo
Today · 4.125%
HK$336,359
baseline
▲ 0.50% · 4.625%
HK$354,089
+HK$17,730/mo
Deposit HK$41.93M · loan HK$62.90M · min. income ≈ HK$672,718/mo (50% DSR)
Upfront cash ≈ HK$47.63M (deposit + AVD stamp duty HK$5,699,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$334,659
−HK$20,986/mo
▼ 0.25% · 3.875%
HK$345,068
−HK$10,577/mo
Today · 4.125%
HK$355,645
baseline
▲ 0.50% · 4.625%
HK$377,285
+HK$21,640/mo
Deposit HK$31.45M · loan HK$73.38M · min. income ≈ HK$711,290/mo (50% DSR)
Upfront cash ≈ HK$37.15M (deposit + AVD stamp duty HK$5,699,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$372,304
−HK$20,115/mo
▼ 0.25% · 3.875%
HK$382,289
−HK$10,130/mo
Today · 4.125%
HK$392,419
baseline
▲ 0.50% · 4.625%
HK$413,104
+HK$20,685/mo
Deposit HK$31.45M · loan HK$73.38M · min. income ≈ HK$784,838/mo (50% DSR)
Upfront cash ≈ HK$37.15M (deposit + AVD stamp duty HK$5,699,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$430,275
−HK$26,982/mo
▼ 0.25% · 3.875%
HK$443,659
−HK$13,598/mo
Today · 4.125%
HK$457,257
baseline
▲ 0.50% · 4.625%
HK$485,080
+HK$27,823/mo
Deposit HK$10.48M · loan HK$94.35M · min. income ≈ HK$914,514/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$5,699,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$478,677
−HK$25,861/mo
▼ 0.25% · 3.875%
HK$491,515
−HK$13,023/mo
Today · 4.125%
HK$504,538
baseline
▲ 0.50% · 4.625%
HK$531,133
+HK$26,595/mo
Deposit HK$10.48M · loan HK$94.35M · min. income ≈ HK$1,009,076/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$5,699,342 · Scale 2, in force from 26 Feb 2026)