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$252,673
−HK$15,845/mo
▼ 0.25% · 3.875%
HK$260,532
−HK$7,986/mo
Today · 4.125%
HK$268,518
baseline
▲ 0.50% · 4.625%
HK$284,856
+HK$16,338/mo
Deposit HK$55.40M · loan HK$55.40M · min. income ≈ HK$537,036/mo (50% DSR)
Upfront cash ≈ HK$62.61M (deposit + AVD stamp duty HK$7,202,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,096
−HK$15,187/mo
▼ 0.25% · 3.875%
HK$288,635
−HK$7,648/mo
Today · 4.125%
HK$296,283
baseline
▲ 0.50% · 4.625%
HK$311,900
+HK$15,617/mo
Deposit HK$55.40M · loan HK$55.40M · min. income ≈ HK$592,566/mo (50% DSR)
Upfront cash ≈ HK$62.61M (deposit + AVD stamp duty HK$7,202,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,207
−HK$19,014/mo
▼ 0.25% · 3.875%
HK$312,639
−HK$9,582/mo
Today · 4.125%
HK$322,221
baseline
▲ 0.50% · 4.625%
HK$341,827
+HK$19,606/mo
Deposit HK$44.32M · loan HK$66.49M · min. income ≈ HK$644,442/mo (50% DSR)
Upfront cash ≈ HK$51.53M (deposit + AVD stamp duty HK$7,202,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$337,315
−HK$18,224/mo
▼ 0.25% · 3.875%
HK$346,362
−HK$9,177/mo
Today · 4.125%
HK$355,539
baseline
▲ 0.50% · 4.625%
HK$374,280
+HK$18,741/mo
Deposit HK$44.32M · loan HK$66.49M · min. income ≈ HK$711,078/mo (50% DSR)
Upfront cash ≈ HK$51.53M (deposit + AVD stamp duty HK$7,202,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$353,742
−HK$22,183/mo
▼ 0.25% · 3.875%
HK$364,745
−HK$11,180/mo
Today · 4.125%
HK$375,925
baseline
▲ 0.50% · 4.625%
HK$398,799
+HK$22,874/mo
Deposit HK$33.24M · loan HK$77.57M · min. income ≈ HK$751,850/mo (50% DSR)
Upfront cash ≈ HK$40.45M (deposit + AVD stamp duty HK$7,202,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$393,534
−HK$21,262/mo
▼ 0.25% · 3.875%
HK$404,089
−HK$10,707/mo
Today · 4.125%
HK$414,796
baseline
▲ 0.50% · 4.625%
HK$436,660
+HK$21,864/mo
Deposit HK$33.24M · loan HK$77.57M · min. income ≈ HK$829,592/mo (50% DSR)
Upfront cash ≈ HK$40.45M (deposit + AVD stamp duty HK$7,202,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$454,811
−HK$28,521/mo
▼ 0.25% · 3.875%
HK$468,958
−HK$14,374/mo
Today · 4.125%
HK$483,332
baseline
▲ 0.50% · 4.625%
HK$512,741
+HK$29,409/mo
Deposit HK$11.08M · loan HK$99.73M · min. income ≈ HK$966,664/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$7,202,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$505,973
−HK$27,336/mo
▼ 0.25% · 3.875%
HK$519,542
−HK$13,767/mo
Today · 4.125%
HK$533,309
baseline
▲ 0.50% · 4.625%
HK$561,420
+HK$28,111/mo
Deposit HK$11.08M · loan HK$99.73M · min. income ≈ HK$1,066,618/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$7,202,579 · Scale 2, in force from 26 Feb 2026)