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$210,936
−HK$13,227/mo
▼ 0.25% · 3.875%
HK$217,497
−HK$6,666/mo
Today · 4.125%
HK$224,163
baseline
▲ 0.50% · 4.625%
HK$237,803
+HK$13,640/mo
Deposit HK$46.25M · loan HK$46.25M · min. income ≈ HK$448,326/mo (50% DSR)
Upfront cash ≈ HK$50.18M (deposit + AVD stamp duty HK$3,931,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,664
−HK$12,678/mo
▼ 0.25% · 3.875%
HK$240,957
−HK$6,385/mo
Today · 4.125%
HK$247,342
baseline
▲ 0.50% · 4.625%
HK$260,380
+HK$13,038/mo
Deposit HK$46.25M · loan HK$46.25M · min. income ≈ HK$494,684/mo (50% DSR)
Upfront cash ≈ HK$50.18M (deposit + AVD stamp duty HK$3,931,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,123
−HK$15,873/mo
▼ 0.25% · 3.875%
HK$260,996
−HK$8,000/mo
Today · 4.125%
HK$268,996
baseline
▲ 0.50% · 4.625%
HK$285,364
+HK$16,368/mo
Deposit HK$37.00M · loan HK$55.50M · min. income ≈ HK$537,992/mo (50% DSR)
Upfront cash ≈ HK$40.93M (deposit + AVD stamp duty HK$3,931,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,597
−HK$15,213/mo
▼ 0.25% · 3.875%
HK$289,149
−HK$7,661/mo
Today · 4.125%
HK$296,810
baseline
▲ 0.50% · 4.625%
HK$312,456
+HK$15,646/mo
Deposit HK$37.00M · loan HK$55.50M · min. income ≈ HK$593,620/mo (50% DSR)
Upfront cash ≈ HK$40.93M (deposit + AVD stamp duty HK$3,931,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,310
−HK$18,519/mo
▼ 0.25% · 3.875%
HK$304,496
−HK$9,333/mo
Today · 4.125%
HK$313,829
baseline
▲ 0.50% · 4.625%
HK$332,924
+HK$19,095/mo
Deposit HK$27.75M · loan HK$64.75M · min. income ≈ HK$627,658/mo (50% DSR)
Upfront cash ≈ HK$31.68M (deposit + AVD stamp duty HK$3,931,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,529
−HK$17,750/mo
▼ 0.25% · 3.875%
HK$337,340
−HK$8,939/mo
Today · 4.125%
HK$346,279
baseline
▲ 0.50% · 4.625%
HK$364,532
+HK$18,253/mo
Deposit HK$27.75M · loan HK$64.75M · min. income ≈ HK$692,558/mo (50% DSR)
Upfront cash ≈ HK$31.68M (deposit + AVD stamp duty HK$3,931,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$379,684
−HK$23,810/mo
▼ 0.25% · 3.875%
HK$391,495
−HK$11,999/mo
Today · 4.125%
HK$403,494
baseline
▲ 0.50% · 4.625%
HK$428,046
+HK$24,552/mo
Deposit HK$9.25M · loan HK$83.25M · min. income ≈ HK$806,988/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$3,931,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$422,395
−HK$22,821/mo
▼ 0.25% · 3.875%
HK$433,723
−HK$11,493/mo
Today · 4.125%
HK$445,216
baseline
▲ 0.50% · 4.625%
HK$468,684
+HK$23,468/mo
Deposit HK$9.25M · loan HK$83.25M · min. income ≈ HK$890,432/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$3,931,474 · Scale 2, in force from 26 Feb 2026)