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$244,980
−HK$15,363/mo
▼ 0.25% · 3.875%
HK$252,600
−HK$7,743/mo
Today · 4.125%
HK$260,343
baseline
▲ 0.50% · 4.625%
HK$276,184
+HK$15,841/mo
Deposit HK$53.72M · loan HK$53.72M · min. income ≈ HK$520,686/mo (50% DSR)
Upfront cash ≈ HK$60.20M (deposit + AVD stamp duty HK$6,480,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,538
−HK$14,724/mo
▼ 0.25% · 3.875%
HK$279,847
−HK$7,415/mo
Today · 4.125%
HK$287,262
baseline
▲ 0.50% · 4.625%
HK$302,404
+HK$15,142/mo
Deposit HK$53.72M · loan HK$53.72M · min. income ≈ HK$574,524/mo (50% DSR)
Upfront cash ≈ HK$60.20M (deposit + AVD stamp duty HK$6,480,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,976
−HK$18,435/mo
▼ 0.25% · 3.875%
HK$303,120
−HK$9,291/mo
Today · 4.125%
HK$312,411
baseline
▲ 0.50% · 4.625%
HK$331,420
+HK$19,009/mo
Deposit HK$42.97M · loan HK$64.46M · min. income ≈ HK$624,822/mo (50% DSR)
Upfront cash ≈ HK$49.45M (deposit + AVD stamp duty HK$6,480,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$327,045
−HK$17,670/mo
▼ 0.25% · 3.875%
HK$335,817
−HK$8,898/mo
Today · 4.125%
HK$344,715
baseline
▲ 0.50% · 4.625%
HK$362,885
+HK$18,170/mo
Deposit HK$42.97M · loan HK$64.46M · min. income ≈ HK$689,430/mo (50% DSR)
Upfront cash ≈ HK$49.45M (deposit + AVD stamp duty HK$6,480,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$342,972
−HK$21,508/mo
▼ 0.25% · 3.875%
HK$353,641
−HK$10,839/mo
Today · 4.125%
HK$364,480
baseline
▲ 0.50% · 4.625%
HK$386,657
+HK$22,177/mo
Deposit HK$32.23M · loan HK$75.20M · min. income ≈ HK$728,960/mo (50% DSR)
Upfront cash ≈ HK$38.71M (deposit + AVD stamp duty HK$6,480,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$381,553
−HK$20,614/mo
▼ 0.25% · 3.875%
HK$391,786
−HK$10,381/mo
Today · 4.125%
HK$402,167
baseline
▲ 0.50% · 4.625%
HK$423,366
+HK$21,199/mo
Deposit HK$32.23M · loan HK$75.20M · min. income ≈ HK$804,334/mo (50% DSR)
Upfront cash ≈ HK$38.71M (deposit + AVD stamp duty HK$6,480,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$440,964
−HK$27,653/mo
▼ 0.25% · 3.875%
HK$454,681
−HK$13,936/mo
Today · 4.125%
HK$468,617
baseline
▲ 0.50% · 4.625%
HK$497,131
+HK$28,514/mo
Deposit HK$10.74M · loan HK$96.69M · min. income ≈ HK$937,234/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$6,480,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$490,568
−HK$26,504/mo
▼ 0.25% · 3.875%
HK$503,725
−HK$13,347/mo
Today · 4.125%
HK$517,072
baseline
▲ 0.50% · 4.625%
HK$544,328
+HK$27,256/mo
Deposit HK$10.74M · loan HK$96.69M · min. income ≈ HK$1,034,144/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$6,480,598 · Scale 2, in force from 26 Feb 2026)