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$216,803
−HK$13,596/mo
▼ 0.25% · 3.875%
HK$223,547
−HK$6,852/mo
Today · 4.125%
HK$230,399
baseline
▲ 0.50% · 4.625%
HK$244,418
+HK$14,019/mo
Deposit HK$47.54M · loan HK$47.54M · min. income ≈ HK$460,798/mo (50% DSR)
Upfront cash ≈ HK$51.58M (deposit + AVD stamp duty HK$4,040,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,192
−HK$13,030/mo
▼ 0.25% · 3.875%
HK$247,660
−HK$6,562/mo
Today · 4.125%
HK$254,222
baseline
▲ 0.50% · 4.625%
HK$267,623
+HK$13,401/mo
Deposit HK$47.54M · loan HK$47.54M · min. income ≈ HK$508,444/mo (50% DSR)
Upfront cash ≈ HK$51.58M (deposit + AVD stamp duty HK$4,040,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,164
−HK$16,315/mo
▼ 0.25% · 3.875%
HK$268,257
−HK$8,222/mo
Today · 4.125%
HK$276,479
baseline
▲ 0.50% · 4.625%
HK$293,302
+HK$16,823/mo
Deposit HK$38.03M · loan HK$57.05M · min. income ≈ HK$552,958/mo (50% DSR)
Upfront cash ≈ HK$42.07M (deposit + AVD stamp duty HK$4,040,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,430
−HK$15,637/mo
▼ 0.25% · 3.875%
HK$297,192
−HK$7,875/mo
Today · 4.125%
HK$305,067
baseline
▲ 0.50% · 4.625%
HK$321,147
+HK$16,080/mo
Deposit HK$38.03M · loan HK$57.05M · min. income ≈ HK$610,134/mo (50% DSR)
Upfront cash ≈ HK$42.07M (deposit + AVD stamp duty HK$4,040,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,525
−HK$19,033/mo
▼ 0.25% · 3.875%
HK$312,966
−HK$9,592/mo
Today · 4.125%
HK$322,558
baseline
▲ 0.50% · 4.625%
HK$342,185
+HK$19,627/mo
Deposit HK$28.52M · loan HK$66.55M · min. income ≈ HK$645,116/mo (50% DSR)
Upfront cash ≈ HK$32.56M (deposit + AVD stamp duty HK$4,040,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$337,668
−HK$18,243/mo
▼ 0.25% · 3.875%
HK$346,724
−HK$9,187/mo
Today · 4.125%
HK$355,911
baseline
▲ 0.50% · 4.625%
HK$374,672
+HK$18,761/mo
Deposit HK$28.52M · loan HK$66.55M · min. income ≈ HK$711,822/mo (50% DSR)
Upfront cash ≈ HK$32.56M (deposit + AVD stamp duty HK$4,040,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$390,246
−HK$24,472/mo
▼ 0.25% · 3.875%
HK$402,385
−HK$12,333/mo
Today · 4.125%
HK$414,718
baseline
▲ 0.50% · 4.625%
HK$439,952
+HK$25,234/mo
Deposit HK$9.51M · loan HK$85.57M · min. income ≈ HK$829,436/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$4,040,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$434,145
−HK$23,455/mo
▼ 0.25% · 3.875%
HK$445,788
−HK$11,812/mo
Today · 4.125%
HK$457,600
baseline
▲ 0.50% · 4.625%
HK$481,721
+HK$24,121/mo
Deposit HK$9.51M · loan HK$85.57M · min. income ≈ HK$915,200/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$4,040,836 · Scale 2, in force from 26 Feb 2026)