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$321,084
−HK$20,135/mo
▼ 0.25% · 3.875%
HK$331,072
−HK$10,147/mo
Today · 4.125%
HK$341,219
baseline
▲ 0.50% · 4.625%
HK$361,981
+HK$20,762/mo
Deposit HK$70.41M · loan HK$70.41M · min. income ≈ HK$682,438/mo (50% DSR)
Upfront cash ≈ HK$79.56M (deposit + AVD stamp duty HK$9,152,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$357,203
−HK$19,298/mo
▼ 0.25% · 3.875%
HK$366,783
−HK$9,718/mo
Today · 4.125%
HK$376,501
baseline
▲ 0.50% · 4.625%
HK$396,347
+HK$19,846/mo
Deposit HK$70.41M · loan HK$70.41M · min. income ≈ HK$753,002/mo (50% DSR)
Upfront cash ≈ HK$79.56M (deposit + AVD stamp duty HK$9,152,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$385,301
−HK$24,162/mo
▼ 0.25% · 3.875%
HK$397,286
−HK$12,177/mo
Today · 4.125%
HK$409,463
baseline
▲ 0.50% · 4.625%
HK$434,378
+HK$24,915/mo
Deposit HK$56.32M · loan HK$84.49M · min. income ≈ HK$818,926/mo (50% DSR)
Upfront cash ≈ HK$65.48M (deposit + AVD stamp duty HK$9,152,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$428,644
−HK$23,158/mo
▼ 0.25% · 3.875%
HK$440,139
−HK$11,663/mo
Today · 4.125%
HK$451,802
baseline
▲ 0.50% · 4.625%
HK$475,617
+HK$23,815/mo
Deposit HK$56.32M · loan HK$84.49M · min. income ≈ HK$903,604/mo (50% DSR)
Upfront cash ≈ HK$65.48M (deposit + AVD stamp duty HK$9,152,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$449,518
−HK$28,189/mo
▼ 0.25% · 3.875%
HK$463,500
−HK$14,207/mo
Today · 4.125%
HK$477,707
baseline
▲ 0.50% · 4.625%
HK$506,774
+HK$29,067/mo
Deposit HK$42.24M · loan HK$98.57M · min. income ≈ HK$955,414/mo (50% DSR)
Upfront cash ≈ HK$51.40M (deposit + AVD stamp duty HK$9,152,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$500,084
−HK$27,018/mo
▼ 0.25% · 3.875%
HK$513,496
−HK$13,606/mo
Today · 4.125%
HK$527,102
baseline
▲ 0.50% · 4.625%
HK$554,886
+HK$27,784/mo
Deposit HK$42.24M · loan HK$98.57M · min. income ≈ HK$1,054,204/mo (50% DSR)
Upfront cash ≈ HK$51.40M (deposit + AVD stamp duty HK$9,152,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$577,952
−HK$36,242/mo
▼ 0.25% · 3.875%
HK$595,929
−HK$18,265/mo
Today · 4.125%
HK$614,194
baseline
▲ 0.50% · 4.625%
HK$651,566
+HK$37,372/mo
Deposit HK$14.08M · loan HK$126.73M · min. income ≈ HK$1,228,388/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$9,152,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$642,965
−HK$34,738/mo
▼ 0.25% · 3.875%
HK$660,209
−HK$17,494/mo
Today · 4.125%
HK$677,703
baseline
▲ 0.50% · 4.625%
HK$713,425
+HK$35,722/mo
Deposit HK$14.08M · loan HK$126.73M · min. income ≈ HK$1,355,406/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$9,152,686 · Scale 2, in force from 26 Feb 2026)