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$344,778
−HK$21,620/mo
▼ 0.25% · 3.875%
HK$355,502
−HK$10,896/mo
Today · 4.125%
HK$366,398
baseline
▲ 0.50% · 4.625%
HK$388,693
+HK$22,295/mo
Deposit HK$75.60M · loan HK$75.60M · min. income ≈ HK$732,796/mo (50% DSR)
Upfront cash ≈ HK$85.43M (deposit + AVD stamp duty HK$9,828,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$383,562
−HK$20,723/mo
▼ 0.25% · 3.875%
HK$393,849
−HK$10,436/mo
Today · 4.125%
HK$404,285
baseline
▲ 0.50% · 4.625%
HK$425,595
+HK$21,310/mo
Deposit HK$75.60M · loan HK$75.60M · min. income ≈ HK$808,570/mo (50% DSR)
Upfront cash ≈ HK$85.43M (deposit + AVD stamp duty HK$9,828,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$413,733
−HK$25,945/mo
▼ 0.25% · 3.875%
HK$426,603
−HK$13,075/mo
Today · 4.125%
HK$439,678
baseline
▲ 0.50% · 4.625%
HK$466,432
+HK$26,754/mo
Deposit HK$60.48M · loan HK$90.72M · min. income ≈ HK$879,356/mo (50% DSR)
Upfront cash ≈ HK$70.31M (deposit + AVD stamp duty HK$9,828,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$460,274
−HK$24,867/mo
▼ 0.25% · 3.875%
HK$472,619
−HK$12,522/mo
Today · 4.125%
HK$485,141
baseline
▲ 0.50% · 4.625%
HK$510,714
+HK$25,573/mo
Deposit HK$60.48M · loan HK$90.72M · min. income ≈ HK$970,282/mo (50% DSR)
Upfront cash ≈ HK$70.31M (deposit + AVD stamp duty HK$9,828,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$482,689
−HK$30,269/mo
▼ 0.25% · 3.875%
HK$497,703
−HK$15,255/mo
Today · 4.125%
HK$512,958
baseline
▲ 0.50% · 4.625%
HK$544,170
+HK$31,212/mo
Deposit HK$45.36M · loan HK$105.84M · min. income ≈ HK$1,025,916/mo (50% DSR)
Upfront cash ≈ HK$55.19M (deposit + AVD stamp duty HK$9,828,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$536,987
−HK$29,011/mo
▼ 0.25% · 3.875%
HK$551,388
−HK$14,610/mo
Today · 4.125%
HK$565,998
baseline
▲ 0.50% · 4.625%
HK$595,833
+HK$29,835/mo
Deposit HK$45.36M · loan HK$105.84M · min. income ≈ HK$1,131,996/mo (50% DSR)
Upfront cash ≈ HK$55.19M (deposit + AVD stamp duty HK$9,828,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$620,600
−HK$38,917/mo
▼ 0.25% · 3.875%
HK$639,904
−HK$19,613/mo
Today · 4.125%
HK$659,517
baseline
▲ 0.50% · 4.625%
HK$699,647
+HK$40,130/mo
Deposit HK$15.12M · loan HK$136.08M · min. income ≈ HK$1,319,034/mo (50% DSR)
Upfront cash ≈ HK$24.95M (deposit + AVD stamp duty HK$9,828,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$690,411
−HK$37,301/mo
▼ 0.25% · 3.875%
HK$708,928
−HK$18,784/mo
Today · 4.125%
HK$727,712
baseline
▲ 0.50% · 4.625%
HK$766,071
+HK$38,359/mo
Deposit HK$15.12M · loan HK$136.08M · min. income ≈ HK$1,455,424/mo (50% DSR)
Upfront cash ≈ HK$24.95M (deposit + AVD stamp duty HK$9,828,089 · Scale 2, in force from 26 Feb 2026)