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$224,149
−HK$14,056/mo
▼ 0.25% · 3.875%
HK$231,121
−HK$7,084/mo
Today · 4.125%
HK$238,205
baseline
▲ 0.50% · 4.625%
HK$252,699
+HK$14,494/mo
Deposit HK$49.15M · loan HK$49.15M · min. income ≈ HK$476,410/mo (50% DSR)
Upfront cash ≈ HK$53.33M (deposit + AVD stamp duty HK$4,177,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,364
−HK$13,472/mo
▼ 0.25% · 3.875%
HK$256,051
−HK$6,785/mo
Today · 4.125%
HK$262,836
baseline
▲ 0.50% · 4.625%
HK$276,690
+HK$13,854/mo
Deposit HK$49.15M · loan HK$49.15M · min. income ≈ HK$525,672/mo (50% DSR)
Upfront cash ≈ HK$53.33M (deposit + AVD stamp duty HK$4,177,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,979
−HK$16,867/mo
▼ 0.25% · 3.875%
HK$277,346
−HK$8,500/mo
Today · 4.125%
HK$285,846
baseline
▲ 0.50% · 4.625%
HK$303,239
+HK$17,393/mo
Deposit HK$39.32M · loan HK$58.98M · min. income ≈ HK$571,692/mo (50% DSR)
Upfront cash ≈ HK$43.50M (deposit + AVD stamp duty HK$4,177,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,236
−HK$16,167/mo
▼ 0.25% · 3.875%
HK$307,262
−HK$8,141/mo
Today · 4.125%
HK$315,403
baseline
▲ 0.50% · 4.625%
HK$332,028
+HK$16,625/mo
Deposit HK$39.32M · loan HK$58.98M · min. income ≈ HK$630,806/mo (50% DSR)
Upfront cash ≈ HK$43.50M (deposit + AVD stamp duty HK$4,177,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,809
−HK$19,678/mo
▼ 0.25% · 3.875%
HK$323,570
−HK$9,917/mo
Today · 4.125%
HK$333,487
baseline
▲ 0.50% · 4.625%
HK$353,779
+HK$20,292/mo
Deposit HK$29.49M · loan HK$68.81M · min. income ≈ HK$666,974/mo (50% DSR)
Upfront cash ≈ HK$33.67M (deposit + AVD stamp duty HK$4,177,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$349,109
−HK$18,861/mo
▼ 0.25% · 3.875%
HK$358,472
−HK$9,498/mo
Today · 4.125%
HK$367,970
baseline
▲ 0.50% · 4.625%
HK$387,366
+HK$19,396/mo
Deposit HK$29.49M · loan HK$68.81M · min. income ≈ HK$735,940/mo (50% DSR)
Upfront cash ≈ HK$33.67M (deposit + AVD stamp duty HK$4,177,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$403,468
−HK$25,301/mo
▼ 0.25% · 3.875%
HK$416,018
−HK$12,751/mo
Today · 4.125%
HK$428,769
baseline
▲ 0.50% · 4.625%
HK$454,859
+HK$26,090/mo
Deposit HK$9.83M · loan HK$88.47M · min. income ≈ HK$857,538/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$4,177,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$448,854
−HK$24,251/mo
▼ 0.25% · 3.875%
HK$460,892
−HK$12,213/mo
Today · 4.125%
HK$473,105
baseline
▲ 0.50% · 4.625%
HK$498,043
+HK$24,938/mo
Deposit HK$9.83M · loan HK$88.47M · min. income ≈ HK$946,210/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$4,177,747 · Scale 2, in force from 26 Feb 2026)