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$253,346
−HK$15,887/mo
▼ 0.25% · 3.875%
HK$261,226
−HK$8,007/mo
Today · 4.125%
HK$269,233
baseline
▲ 0.50% · 4.625%
HK$285,615
+HK$16,382/mo
Deposit HK$55.55M · loan HK$55.55M · min. income ≈ HK$538,466/mo (50% DSR)
Upfront cash ≈ HK$62.77M (deposit + AVD stamp duty HK$7,221,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,845
−HK$15,227/mo
▼ 0.25% · 3.875%
HK$289,404
−HK$7,668/mo
Today · 4.125%
HK$297,072
baseline
▲ 0.50% · 4.625%
HK$312,731
+HK$15,659/mo
Deposit HK$55.55M · loan HK$55.55M · min. income ≈ HK$594,144/mo (50% DSR)
Upfront cash ≈ HK$62.77M (deposit + AVD stamp duty HK$7,221,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,015
−HK$19,064/mo
▼ 0.25% · 3.875%
HK$313,472
−HK$9,607/mo
Today · 4.125%
HK$323,079
baseline
▲ 0.50% · 4.625%
HK$342,738
+HK$19,659/mo
Deposit HK$44.44M · loan HK$66.66M · min. income ≈ HK$646,158/mo (50% DSR)
Upfront cash ≈ HK$51.66M (deposit + AVD stamp duty HK$7,221,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$338,214
−HK$18,272/mo
▼ 0.25% · 3.875%
HK$347,284
−HK$9,202/mo
Today · 4.125%
HK$356,486
baseline
▲ 0.50% · 4.625%
HK$375,277
+HK$18,791/mo
Deposit HK$44.44M · loan HK$66.66M · min. income ≈ HK$712,972/mo (50% DSR)
Upfront cash ≈ HK$51.66M (deposit + AVD stamp duty HK$7,221,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$354,684
−HK$22,242/mo
▼ 0.25% · 3.875%
HK$365,717
−HK$11,209/mo
Today · 4.125%
HK$376,926
baseline
▲ 0.50% · 4.625%
HK$399,861
+HK$22,935/mo
Deposit HK$33.33M · loan HK$77.77M · min. income ≈ HK$753,852/mo (50% DSR)
Upfront cash ≈ HK$40.55M (deposit + AVD stamp duty HK$7,221,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$394,583
−HK$21,318/mo
▼ 0.25% · 3.875%
HK$405,165
−HK$10,736/mo
Today · 4.125%
HK$415,901
baseline
▲ 0.50% · 4.625%
HK$437,823
+HK$21,922/mo
Deposit HK$33.33M · loan HK$77.77M · min. income ≈ HK$831,802/mo (50% DSR)
Upfront cash ≈ HK$40.55M (deposit + AVD stamp duty HK$7,221,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$456,022
−HK$28,597/mo
▼ 0.25% · 3.875%
HK$470,207
−HK$14,412/mo
Today · 4.125%
HK$484,619
baseline
▲ 0.50% · 4.625%
HK$514,107
+HK$29,488/mo
Deposit HK$11.11M · loan HK$99.99M · min. income ≈ HK$969,238/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$7,221,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$507,320
−HK$27,409/mo
▼ 0.25% · 3.875%
HK$520,926
−HK$13,803/mo
Today · 4.125%
HK$534,729
baseline
▲ 0.50% · 4.625%
HK$562,916
+HK$28,187/mo
Deposit HK$11.11M · loan HK$99.99M · min. income ≈ HK$1,069,458/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$7,221,766 · Scale 2, in force from 26 Feb 2026)