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$239,607
−HK$15,026/mo
▼ 0.25% · 3.875%
HK$247,061
−HK$7,572/mo
Today · 4.125%
HK$254,633
baseline
▲ 0.50% · 4.625%
HK$270,127
+HK$15,494/mo
Deposit HK$52.54M · loan HK$52.54M · min. income ≈ HK$509,266/mo (50% DSR)
Upfront cash ≈ HK$58.31M (deposit + AVD stamp duty HK$5,773,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,561
−HK$14,401/mo
▼ 0.25% · 3.875%
HK$273,710
−HK$7,252/mo
Today · 4.125%
HK$280,962
baseline
▲ 0.50% · 4.625%
HK$295,772
+HK$14,810/mo
Deposit HK$52.54M · loan HK$52.54M · min. income ≈ HK$561,924/mo (50% DSR)
Upfront cash ≈ HK$58.31M (deposit + AVD stamp duty HK$5,773,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,529
−HK$18,030/mo
▼ 0.25% · 3.875%
HK$296,473
−HK$9,086/mo
Today · 4.125%
HK$305,559
baseline
▲ 0.50% · 4.625%
HK$324,152
+HK$18,593/mo
Deposit HK$42.03M · loan HK$63.05M · min. income ≈ HK$611,118/mo (50% DSR)
Upfront cash ≈ HK$47.81M (deposit + AVD stamp duty HK$5,773,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$319,873
−HK$17,282/mo
▼ 0.25% · 3.875%
HK$328,452
−HK$8,703/mo
Today · 4.125%
HK$337,155
baseline
▲ 0.50% · 4.625%
HK$354,927
+HK$17,772/mo
Deposit HK$42.03M · loan HK$63.05M · min. income ≈ HK$674,310/mo (50% DSR)
Upfront cash ≈ HK$47.81M (deposit + AVD stamp duty HK$5,773,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$335,450
−HK$21,036/mo
▼ 0.25% · 3.875%
HK$345,885
−HK$10,601/mo
Today · 4.125%
HK$356,486
baseline
▲ 0.50% · 4.625%
HK$378,177
+HK$21,691/mo
Deposit HK$31.52M · loan HK$73.56M · min. income ≈ HK$712,972/mo (50% DSR)
Upfront cash ≈ HK$37.30M (deposit + AVD stamp duty HK$5,773,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$373,185
−HK$20,162/mo
▼ 0.25% · 3.875%
HK$383,194
−HK$10,153/mo
Today · 4.125%
HK$393,347
baseline
▲ 0.50% · 4.625%
HK$414,081
+HK$20,734/mo
Deposit HK$31.52M · loan HK$73.56M · min. income ≈ HK$786,694/mo (50% DSR)
Upfront cash ≈ HK$37.30M (deposit + AVD stamp duty HK$5,773,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$431,293
−HK$27,046/mo
▼ 0.25% · 3.875%
HK$444,709
−HK$13,630/mo
Today · 4.125%
HK$458,339
baseline
▲ 0.50% · 4.625%
HK$486,228
+HK$27,889/mo
Deposit HK$10.51M · loan HK$94.57M · min. income ≈ HK$916,678/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$5,773,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$479,809
−HK$25,923/mo
▼ 0.25% · 3.875%
HK$492,678
−HK$13,054/mo
Today · 4.125%
HK$505,732
baseline
▲ 0.50% · 4.625%
HK$532,390
+HK$26,658/mo
Deposit HK$10.51M · loan HK$94.57M · min. income ≈ HK$1,011,464/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$5,773,738 · Scale 2, in force from 26 Feb 2026)