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$219,051
−HK$13,737/mo
▼ 0.25% · 3.875%
HK$225,865
−HK$6,923/mo
Today · 4.125%
HK$232,788
baseline
▲ 0.50% · 4.625%
HK$246,952
+HK$14,164/mo
Deposit HK$48.03M · loan HK$48.03M · min. income ≈ HK$465,576/mo (50% DSR)
Upfront cash ≈ HK$52.11M (deposit + AVD stamp duty HK$4,082,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,692
−HK$13,166/mo
▼ 0.25% · 3.875%
HK$250,228
−HK$6,630/mo
Today · 4.125%
HK$256,858
baseline
▲ 0.50% · 4.625%
HK$270,398
+HK$13,540/mo
Deposit HK$48.03M · loan HK$48.03M · min. income ≈ HK$513,716/mo (50% DSR)
Upfront cash ≈ HK$52.11M (deposit + AVD stamp duty HK$4,082,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,862
−HK$16,483/mo
▼ 0.25% · 3.875%
HK$271,038
−HK$8,307/mo
Today · 4.125%
HK$279,345
baseline
▲ 0.50% · 4.625%
HK$296,343
+HK$16,998/mo
Deposit HK$38.43M · loan HK$57.64M · min. income ≈ HK$558,690/mo (50% DSR)
Upfront cash ≈ HK$42.51M (deposit + AVD stamp duty HK$4,082,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,431
−HK$15,799/mo
▼ 0.25% · 3.875%
HK$300,274
−HK$7,956/mo
Today · 4.125%
HK$308,230
baseline
▲ 0.50% · 4.625%
HK$324,477
+HK$16,247/mo
Deposit HK$38.43M · loan HK$57.64M · min. income ≈ HK$616,460/mo (50% DSR)
Upfront cash ≈ HK$42.51M (deposit + AVD stamp duty HK$4,082,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,672
−HK$19,231/mo
▼ 0.25% · 3.875%
HK$316,211
−HK$9,692/mo
Today · 4.125%
HK$325,903
baseline
▲ 0.50% · 4.625%
HK$345,733
+HK$19,830/mo
Deposit HK$28.82M · loan HK$67.25M · min. income ≈ HK$651,806/mo (50% DSR)
Upfront cash ≈ HK$32.90M (deposit + AVD stamp duty HK$4,082,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$341,169
−HK$18,433/mo
▼ 0.25% · 3.875%
HK$350,319
−HK$9,283/mo
Today · 4.125%
HK$359,602
baseline
▲ 0.50% · 4.625%
HK$378,557
+HK$18,955/mo
Deposit HK$28.82M · loan HK$67.25M · min. income ≈ HK$719,204/mo (50% DSR)
Upfront cash ≈ HK$32.90M (deposit + AVD stamp duty HK$4,082,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$394,293
−HK$24,725/mo
▼ 0.25% · 3.875%
HK$406,557
−HK$12,461/mo
Today · 4.125%
HK$419,018
baseline
▲ 0.50% · 4.625%
HK$444,514
+HK$25,496/mo
Deposit HK$9.61M · loan HK$86.46M · min. income ≈ HK$838,036/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$4,082,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$438,646
−HK$23,699/mo
▼ 0.25% · 3.875%
HK$450,411
−HK$11,934/mo
Today · 4.125%
HK$462,345
baseline
▲ 0.50% · 4.625%
HK$486,716
+HK$24,371/mo
Deposit HK$9.61M · loan HK$86.46M · min. income ≈ HK$924,690/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$4,082,736 · Scale 2, in force from 26 Feb 2026)