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$239,823
−HK$15,039/mo
▼ 0.25% · 3.875%
HK$247,283
−HK$7,579/mo
Today · 4.125%
HK$254,862
baseline
▲ 0.50% · 4.625%
HK$270,369
+HK$15,507/mo
Deposit HK$52.59M · loan HK$52.59M · min. income ≈ HK$509,724/mo (50% DSR)
Upfront cash ≈ HK$58.39M (deposit + AVD stamp duty HK$5,802,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,800
−HK$14,415/mo
▼ 0.25% · 3.875%
HK$273,956
−HK$7,259/mo
Today · 4.125%
HK$281,215
baseline
▲ 0.50% · 4.625%
HK$296,038
+HK$14,823/mo
Deposit HK$52.59M · loan HK$52.59M · min. income ≈ HK$562,430/mo (50% DSR)
Upfront cash ≈ HK$58.39M (deposit + AVD stamp duty HK$5,802,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,787
−HK$18,047/mo
▼ 0.25% · 3.875%
HK$296,739
−HK$9,095/mo
Today · 4.125%
HK$305,834
baseline
▲ 0.50% · 4.625%
HK$324,443
+HK$18,609/mo
Deposit HK$42.07M · loan HK$63.10M · min. income ≈ HK$611,668/mo (50% DSR)
Upfront cash ≈ HK$47.87M (deposit + AVD stamp duty HK$5,802,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$320,160
−HK$17,298/mo
▼ 0.25% · 3.875%
HK$328,747
−HK$8,711/mo
Today · 4.125%
HK$337,458
baseline
▲ 0.50% · 4.625%
HK$355,246
+HK$17,788/mo
Deposit HK$42.07M · loan HK$63.10M · min. income ≈ HK$674,916/mo (50% DSR)
Upfront cash ≈ HK$47.87M (deposit + AVD stamp duty HK$5,802,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$335,752
−HK$21,054/mo
▼ 0.25% · 3.875%
HK$346,196
−HK$10,610/mo
Today · 4.125%
HK$356,806
baseline
▲ 0.50% · 4.625%
HK$378,517
+HK$21,711/mo
Deposit HK$31.55M · loan HK$73.62M · min. income ≈ HK$713,612/mo (50% DSR)
Upfront cash ≈ HK$37.35M (deposit + AVD stamp duty HK$5,802,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$373,520
−HK$20,181/mo
▼ 0.25% · 3.875%
HK$383,538
−HK$10,163/mo
Today · 4.125%
HK$393,701
baseline
▲ 0.50% · 4.625%
HK$414,453
+HK$20,752/mo
Deposit HK$31.55M · loan HK$73.62M · min. income ≈ HK$787,402/mo (50% DSR)
Upfront cash ≈ HK$37.35M (deposit + AVD stamp duty HK$5,802,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$431,681
−HK$27,070/mo
▼ 0.25% · 3.875%
HK$445,109
−HK$13,642/mo
Today · 4.125%
HK$458,751
baseline
▲ 0.50% · 4.625%
HK$486,665
+HK$27,914/mo
Deposit HK$10.52M · loan HK$94.66M · min. income ≈ HK$917,502/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$5,802,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$480,241
−HK$25,946/mo
▼ 0.25% · 3.875%
HK$493,120
−HK$13,067/mo
Today · 4.125%
HK$506,187
baseline
▲ 0.50% · 4.625%
HK$532,868
+HK$26,681/mo
Deposit HK$10.52M · loan HK$94.66M · min. income ≈ HK$1,012,374/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$5,802,071 · Scale 2, in force from 26 Feb 2026)