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$248,340
−HK$15,573/mo
▼ 0.25% · 3.875%
HK$256,065
−HK$7,848/mo
Today · 4.125%
HK$263,913
baseline
▲ 0.50% · 4.625%
HK$279,971
+HK$16,058/mo
Deposit HK$54.45M · loan HK$54.45M · min. income ≈ HK$527,826/mo (50% DSR)
Upfront cash ≈ HK$61.38M (deposit + AVD stamp duty HK$6,922,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,275
−HK$14,927/mo
▼ 0.25% · 3.875%
HK$283,685
−HK$7,517/mo
Today · 4.125%
HK$291,202
baseline
▲ 0.50% · 4.625%
HK$306,551
+HK$15,349/mo
Deposit HK$54.45M · loan HK$54.45M · min. income ≈ HK$582,404/mo (50% DSR)
Upfront cash ≈ HK$61.38M (deposit + AVD stamp duty HK$6,922,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$298,008
−HK$18,687/mo
▼ 0.25% · 3.875%
HK$307,277
−HK$9,418/mo
Today · 4.125%
HK$316,695
baseline
▲ 0.50% · 4.625%
HK$335,966
+HK$19,271/mo
Deposit HK$43.56M · loan HK$65.35M · min. income ≈ HK$633,390/mo (50% DSR)
Upfront cash ≈ HK$50.49M (deposit + AVD stamp duty HK$6,922,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$331,531
−HK$17,911/mo
▼ 0.25% · 3.875%
HK$340,422
−HK$9,020/mo
Today · 4.125%
HK$349,442
baseline
▲ 0.50% · 4.625%
HK$367,862
+HK$18,420/mo
Deposit HK$43.56M · loan HK$65.35M · min. income ≈ HK$698,884/mo (50% DSR)
Upfront cash ≈ HK$50.49M (deposit + AVD stamp duty HK$6,922,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$347,676
−HK$21,802/mo
▼ 0.25% · 3.875%
HK$358,490
−HK$10,988/mo
Today · 4.125%
HK$369,478
baseline
▲ 0.50% · 4.625%
HK$391,960
+HK$22,482/mo
Deposit HK$32.67M · loan HK$76.24M · min. income ≈ HK$738,956/mo (50% DSR)
Upfront cash ≈ HK$39.60M (deposit + AVD stamp duty HK$6,922,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$386,786
−HK$20,896/mo
▼ 0.25% · 3.875%
HK$397,159
−HK$10,523/mo
Today · 4.125%
HK$407,682
baseline
▲ 0.50% · 4.625%
HK$429,172
+HK$21,490/mo
Deposit HK$32.67M · loan HK$76.24M · min. income ≈ HK$815,364/mo (50% DSR)
Upfront cash ≈ HK$39.60M (deposit + AVD stamp duty HK$6,922,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$447,012
−HK$28,031/mo
▼ 0.25% · 3.875%
HK$460,916
−HK$14,127/mo
Today · 4.125%
HK$475,043
baseline
▲ 0.50% · 4.625%
HK$503,948
+HK$28,905/mo
Deposit HK$10.89M · loan HK$98.02M · min. income ≈ HK$950,086/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$6,922,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$497,296
−HK$26,867/mo
▼ 0.25% · 3.875%
HK$510,633
−HK$13,530/mo
Today · 4.125%
HK$524,163
baseline
▲ 0.50% · 4.625%
HK$551,793
+HK$27,630/mo
Deposit HK$10.89M · loan HK$98.02M · min. income ≈ HK$1,048,326/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$6,922,608 · Scale 2, in force from 26 Feb 2026)