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$228,576
−HK$14,333/mo
▼ 0.25% · 3.875%
HK$235,686
−HK$7,223/mo
Today · 4.125%
HK$242,909
baseline
▲ 0.50% · 4.625%
HK$257,690
+HK$14,781/mo
Deposit HK$50.12M · loan HK$50.12M · min. income ≈ HK$485,818/mo (50% DSR)
Upfront cash ≈ HK$54.44M (deposit + AVD stamp duty HK$4,322,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,288
−HK$13,739/mo
▼ 0.25% · 3.875%
HK$261,108
−HK$6,919/mo
Today · 4.125%
HK$268,027
baseline
▲ 0.50% · 4.625%
HK$282,155
+HK$14,128/mo
Deposit HK$50.12M · loan HK$50.12M · min. income ≈ HK$536,054/mo (50% DSR)
Upfront cash ≈ HK$54.44M (deposit + AVD stamp duty HK$4,322,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,291
−HK$17,200/mo
▼ 0.25% · 3.875%
HK$282,823
−HK$8,668/mo
Today · 4.125%
HK$291,491
baseline
▲ 0.50% · 4.625%
HK$309,228
+HK$17,737/mo
Deposit HK$40.10M · loan HK$60.14M · min. income ≈ HK$582,982/mo (50% DSR)
Upfront cash ≈ HK$44.42M (deposit + AVD stamp duty HK$4,322,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,146
−HK$16,486/mo
▼ 0.25% · 3.875%
HK$313,330
−HK$8,302/mo
Today · 4.125%
HK$321,632
baseline
▲ 0.50% · 4.625%
HK$338,585
+HK$16,953/mo
Deposit HK$40.10M · loan HK$60.14M · min. income ≈ HK$643,264/mo (50% DSR)
Upfront cash ≈ HK$44.42M (deposit + AVD stamp duty HK$4,322,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$320,006
−HK$20,067/mo
▼ 0.25% · 3.875%
HK$329,960
−HK$10,113/mo
Today · 4.125%
HK$340,073
baseline
▲ 0.50% · 4.625%
HK$360,766
+HK$20,693/mo
Deposit HK$30.07M · loan HK$70.17M · min. income ≈ HK$680,146/mo (50% DSR)
Upfront cash ≈ HK$34.39M (deposit + AVD stamp duty HK$4,322,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$356,003
−HK$19,234/mo
▼ 0.25% · 3.875%
HK$365,551
−HK$9,686/mo
Today · 4.125%
HK$375,237
baseline
▲ 0.50% · 4.625%
HK$395,016
+HK$19,779/mo
Deposit HK$30.07M · loan HK$70.17M · min. income ≈ HK$750,474/mo (50% DSR)
Upfront cash ≈ HK$34.39M (deposit + AVD stamp duty HK$4,322,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$411,436
−HK$25,801/mo
▼ 0.25% · 3.875%
HK$424,234
−HK$13,003/mo
Today · 4.125%
HK$437,237
baseline
▲ 0.50% · 4.625%
HK$463,842
+HK$26,605/mo
Deposit HK$10.02M · loan HK$90.22M · min. income ≈ HK$874,474/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$4,322,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$457,719
−HK$24,729/mo
▼ 0.25% · 3.875%
HK$469,994
−HK$12,454/mo
Today · 4.125%
HK$482,448
baseline
▲ 0.50% · 4.625%
HK$507,878
+HK$25,430/mo
Deposit HK$10.02M · loan HK$90.22M · min. income ≈ HK$964,896/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$4,322,360 · Scale 2, in force from 26 Feb 2026)