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$230,929
−HK$14,481/mo
▼ 0.25% · 3.875%
HK$238,112
−HK$7,298/mo
Today · 4.125%
HK$245,410
baseline
▲ 0.50% · 4.625%
HK$260,342
+HK$14,932/mo
Deposit HK$50.64M · loan HK$50.64M · min. income ≈ HK$490,820/mo (50% DSR)
Upfront cash ≈ HK$55.27M (deposit + AVD stamp duty HK$4,631,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,906
−HK$13,880/mo
▼ 0.25% · 3.875%
HK$263,796
−HK$6,990/mo
Today · 4.125%
HK$270,786
baseline
▲ 0.50% · 4.625%
HK$285,059
+HK$14,273/mo
Deposit HK$50.64M · loan HK$50.64M · min. income ≈ HK$541,572/mo (50% DSR)
Upfront cash ≈ HK$55.27M (deposit + AVD stamp duty HK$4,631,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,114
−HK$17,378/mo
▼ 0.25% · 3.875%
HK$285,734
−HK$8,758/mo
Today · 4.125%
HK$294,492
baseline
▲ 0.50% · 4.625%
HK$312,411
+HK$17,919/mo
Deposit HK$40.51M · loan HK$60.76M · min. income ≈ HK$588,984/mo (50% DSR)
Upfront cash ≈ HK$45.14M (deposit + AVD stamp duty HK$4,631,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,287
−HK$16,656/mo
▼ 0.25% · 3.875%
HK$316,555
−HK$8,388/mo
Today · 4.125%
HK$324,943
baseline
▲ 0.50% · 4.625%
HK$342,071
+HK$17,128/mo
Deposit HK$40.51M · loan HK$60.76M · min. income ≈ HK$649,886/mo (50% DSR)
Upfront cash ≈ HK$45.14M (deposit + AVD stamp duty HK$4,631,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,300
−HK$20,274/mo
▼ 0.25% · 3.875%
HK$333,356
−HK$10,218/mo
Today · 4.125%
HK$343,574
baseline
▲ 0.50% · 4.625%
HK$364,479
+HK$20,905/mo
Deposit HK$30.38M · loan HK$70.89M · min. income ≈ HK$687,148/mo (50% DSR)
Upfront cash ≈ HK$35.01M (deposit + AVD stamp duty HK$4,631,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$359,668
−HK$19,432/mo
▼ 0.25% · 3.875%
HK$369,314
−HK$9,786/mo
Today · 4.125%
HK$379,100
baseline
▲ 0.50% · 4.625%
HK$399,083
+HK$19,983/mo
Deposit HK$30.38M · loan HK$70.89M · min. income ≈ HK$758,200/mo (50% DSR)
Upfront cash ≈ HK$35.01M (deposit + AVD stamp duty HK$4,631,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$415,671
−HK$26,067/mo
▼ 0.25% · 3.875%
HK$428,601
−HK$13,137/mo
Today · 4.125%
HK$441,738
baseline
▲ 0.50% · 4.625%
HK$468,616
+HK$26,878/mo
Deposit HK$10.13M · loan HK$91.15M · min. income ≈ HK$883,476/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$4,631,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$462,430
−HK$24,984/mo
▼ 0.25% · 3.875%
HK$474,832
−HK$12,582/mo
Today · 4.125%
HK$487,414
baseline
▲ 0.50% · 4.625%
HK$513,106
+HK$25,692/mo
Deposit HK$10.13M · loan HK$91.15M · min. income ≈ HK$974,828/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$4,631,924 · Scale 2, in force from 26 Feb 2026)