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$231,447
−HK$14,514/mo
▼ 0.25% · 3.875%
HK$238,646
−HK$7,315/mo
Today · 4.125%
HK$245,961
baseline
▲ 0.50% · 4.625%
HK$260,927
+HK$14,966/mo
Deposit HK$50.75M · loan HK$50.75M · min. income ≈ HK$491,922/mo (50% DSR)
Upfront cash ≈ HK$55.45M (deposit + AVD stamp duty HK$4,700,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,483
−HK$13,911/mo
▼ 0.25% · 3.875%
HK$264,388
−HK$7,006/mo
Today · 4.125%
HK$271,394
baseline
▲ 0.50% · 4.625%
HK$285,699
+HK$14,305/mo
Deposit HK$50.75M · loan HK$50.75M · min. income ≈ HK$542,788/mo (50% DSR)
Upfront cash ≈ HK$55.45M (deposit + AVD stamp duty HK$4,700,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,737
−HK$17,416/mo
▼ 0.25% · 3.875%
HK$286,376
−HK$8,777/mo
Today · 4.125%
HK$295,153
baseline
▲ 0.50% · 4.625%
HK$313,112
+HK$17,959/mo
Deposit HK$40.60M · loan HK$60.90M · min. income ≈ HK$590,306/mo (50% DSR)
Upfront cash ≈ HK$45.30M (deposit + AVD stamp duty HK$4,700,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,979
−HK$16,693/mo
▼ 0.25% · 3.875%
HK$317,266
−HK$8,406/mo
Today · 4.125%
HK$325,672
baseline
▲ 0.50% · 4.625%
HK$342,839
+HK$17,167/mo
Deposit HK$40.60M · loan HK$60.90M · min. income ≈ HK$651,344/mo (50% DSR)
Upfront cash ≈ HK$45.30M (deposit + AVD stamp duty HK$4,700,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$324,026
−HK$20,319/mo
▼ 0.25% · 3.875%
HK$334,105
−HK$10,240/mo
Today · 4.125%
HK$344,345
baseline
▲ 0.50% · 4.625%
HK$365,298
+HK$20,953/mo
Deposit HK$30.45M · loan HK$71.05M · min. income ≈ HK$688,690/mo (50% DSR)
Upfront cash ≈ HK$35.15M (deposit + AVD stamp duty HK$4,700,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$360,476
−HK$19,475/mo
▼ 0.25% · 3.875%
HK$370,143
−HK$9,808/mo
Today · 4.125%
HK$379,951
baseline
▲ 0.50% · 4.625%
HK$399,979
+HK$20,028/mo
Deposit HK$30.45M · loan HK$71.05M · min. income ≈ HK$759,902/mo (50% DSR)
Upfront cash ≈ HK$35.15M (deposit + AVD stamp duty HK$4,700,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$416,605
−HK$26,125/mo
▼ 0.25% · 3.875%
HK$429,564
−HK$13,166/mo
Today · 4.125%
HK$442,730
baseline
▲ 0.50% · 4.625%
HK$469,669
+HK$26,939/mo
Deposit HK$10.15M · loan HK$91.35M · min. income ≈ HK$885,460/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$4,700,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$463,469
−HK$25,040/mo
▼ 0.25% · 3.875%
HK$475,899
−HK$12,610/mo
Today · 4.125%
HK$488,509
baseline
▲ 0.50% · 4.625%
HK$514,259
+HK$25,750/mo
Deposit HK$10.15M · loan HK$91.35M · min. income ≈ HK$977,018/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$4,700,150 · Scale 2, in force from 26 Feb 2026)