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$215,520
−HK$13,515/mo
▼ 0.25% · 3.875%
HK$222,224
−HK$6,811/mo
Today · 4.125%
HK$229,035
baseline
▲ 0.50% · 4.625%
HK$242,971
+HK$13,936/mo
Deposit HK$47.26M · loan HK$47.26M · min. income ≈ HK$458,070/mo (50% DSR)
Upfront cash ≈ HK$51.27M (deposit + AVD stamp duty HK$4,016,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,764
−HK$12,954/mo
▼ 0.25% · 3.875%
HK$246,194
−HK$6,524/mo
Today · 4.125%
HK$252,718
baseline
▲ 0.50% · 4.625%
HK$266,039
+HK$13,321/mo
Deposit HK$47.26M · loan HK$47.26M · min. income ≈ HK$505,436/mo (50% DSR)
Upfront cash ≈ HK$51.27M (deposit + AVD stamp duty HK$4,016,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,624
−HK$16,218/mo
▼ 0.25% · 3.875%
HK$266,669
−HK$8,173/mo
Today · 4.125%
HK$274,842
baseline
▲ 0.50% · 4.625%
HK$291,566
+HK$16,724/mo
Deposit HK$37.81M · loan HK$56.71M · min. income ≈ HK$549,684/mo (50% DSR)
Upfront cash ≈ HK$41.82M (deposit + AVD stamp duty HK$4,016,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,717
−HK$15,544/mo
▼ 0.25% · 3.875%
HK$295,433
−HK$7,828/mo
Today · 4.125%
HK$303,261
baseline
▲ 0.50% · 4.625%
HK$319,247
+HK$15,986/mo
Deposit HK$37.81M · loan HK$56.71M · min. income ≈ HK$606,522/mo (50% DSR)
Upfront cash ≈ HK$41.82M (deposit + AVD stamp duty HK$4,016,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,728
−HK$18,921/mo
▼ 0.25% · 3.875%
HK$311,114
−HK$9,535/mo
Today · 4.125%
HK$320,649
baseline
▲ 0.50% · 4.625%
HK$340,160
+HK$19,511/mo
Deposit HK$28.35M · loan HK$66.16M · min. income ≈ HK$641,298/mo (50% DSR)
Upfront cash ≈ HK$32.37M (deposit + AVD stamp duty HK$4,016,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$335,670
−HK$18,135/mo
▼ 0.25% · 3.875%
HK$344,672
−HK$9,133/mo
Today · 4.125%
HK$353,805
baseline
▲ 0.50% · 4.625%
HK$372,454
+HK$18,649/mo
Deposit HK$28.35M · loan HK$66.16M · min. income ≈ HK$707,610/mo (50% DSR)
Upfront cash ≈ HK$32.37M (deposit + AVD stamp duty HK$4,016,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$387,936
−HK$24,327/mo
▼ 0.25% · 3.875%
HK$400,003
−HK$12,260/mo
Today · 4.125%
HK$412,263
baseline
▲ 0.50% · 4.625%
HK$437,349
+HK$25,086/mo
Deposit HK$9.45M · loan HK$85.06M · min. income ≈ HK$824,526/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$4,016,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$431,575
−HK$23,317/mo
▼ 0.25% · 3.875%
HK$443,150
−HK$11,742/mo
Today · 4.125%
HK$454,892
baseline
▲ 0.50% · 4.625%
HK$478,870
+HK$23,978/mo
Deposit HK$9.45M · loan HK$85.06M · min. income ≈ HK$909,784/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$4,016,921 · Scale 2, in force from 26 Feb 2026)