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$254,596
−HK$15,965/mo
▼ 0.25% · 3.875%
HK$262,515
−HK$8,046/mo
Today · 4.125%
HK$270,561
baseline
▲ 0.50% · 4.625%
HK$287,024
+HK$16,463/mo
Deposit HK$55.83M · loan HK$55.83M · min. income ≈ HK$541,122/mo (50% DSR)
Upfront cash ≈ HK$63.08M (deposit + AVD stamp duty HK$7,257,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,235
−HK$15,302/mo
▼ 0.25% · 3.875%
HK$290,831
−HK$7,706/mo
Today · 4.125%
HK$298,537
baseline
▲ 0.50% · 4.625%
HK$314,274
+HK$15,737/mo
Deposit HK$55.83M · loan HK$55.83M · min. income ≈ HK$597,074/mo (50% DSR)
Upfront cash ≈ HK$63.08M (deposit + AVD stamp duty HK$7,257,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,515
−HK$19,158/mo
▼ 0.25% · 3.875%
HK$315,018
−HK$9,655/mo
Today · 4.125%
HK$324,673
baseline
▲ 0.50% · 4.625%
HK$344,429
+HK$19,756/mo
Deposit HK$44.66M · loan HK$66.99M · min. income ≈ HK$649,346/mo (50% DSR)
Upfront cash ≈ HK$51.92M (deposit + AVD stamp duty HK$7,257,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$339,882
−HK$18,363/mo
▼ 0.25% · 3.875%
HK$348,997
−HK$9,248/mo
Today · 4.125%
HK$358,245
baseline
▲ 0.50% · 4.625%
HK$377,128
+HK$18,883/mo
Deposit HK$44.66M · loan HK$66.99M · min. income ≈ HK$716,490/mo (50% DSR)
Upfront cash ≈ HK$51.92M (deposit + AVD stamp duty HK$7,257,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$356,434
−HK$22,351/mo
▼ 0.25% · 3.875%
HK$367,521
−HK$11,264/mo
Today · 4.125%
HK$378,785
baseline
▲ 0.50% · 4.625%
HK$401,834
+HK$23,049/mo
Deposit HK$33.50M · loan HK$78.16M · min. income ≈ HK$757,570/mo (50% DSR)
Upfront cash ≈ HK$40.75M (deposit + AVD stamp duty HK$7,257,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$396,529
−HK$21,423/mo
▼ 0.25% · 3.875%
HK$407,164
−HK$10,788/mo
Today · 4.125%
HK$417,952
baseline
▲ 0.50% · 4.625%
HK$439,983
+HK$22,031/mo
Deposit HK$33.50M · loan HK$78.16M · min. income ≈ HK$835,904/mo (50% DSR)
Upfront cash ≈ HK$40.75M (deposit + AVD stamp duty HK$7,257,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$458,272
−HK$28,738/mo
▼ 0.25% · 3.875%
HK$472,527
−HK$14,483/mo
Today · 4.125%
HK$487,010
baseline
▲ 0.50% · 4.625%
HK$516,643
+HK$29,633/mo
Deposit HK$11.17M · loan HK$100.49M · min. income ≈ HK$974,020/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$7,257,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$509,823
−HK$27,544/mo
▼ 0.25% · 3.875%
HK$523,496
−HK$13,871/mo
Today · 4.125%
HK$537,367
baseline
▲ 0.50% · 4.625%
HK$565,693
+HK$28,326/mo
Deposit HK$11.17M · loan HK$100.49M · min. income ≈ HK$1,074,734/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$7,257,391 · Scale 2, in force from 26 Feb 2026)