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$247,560
−HK$15,524/mo
▼ 0.25% · 3.875%
HK$255,260
−HK$7,824/mo
Today · 4.125%
HK$263,084
baseline
▲ 0.50% · 4.625%
HK$279,092
+HK$16,008/mo
Deposit HK$54.28M · loan HK$54.28M · min. income ≈ HK$526,168/mo (50% DSR)
Upfront cash ≈ HK$61.10M (deposit + AVD stamp duty HK$6,820,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,408
−HK$14,879/mo
▼ 0.25% · 3.875%
HK$282,794
−HK$7,493/mo
Today · 4.125%
HK$290,287
baseline
▲ 0.50% · 4.625%
HK$305,589
+HK$15,302/mo
Deposit HK$54.28M · loan HK$54.28M · min. income ≈ HK$580,574/mo (50% DSR)
Upfront cash ≈ HK$61.10M (deposit + AVD stamp duty HK$6,820,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,072
−HK$18,629/mo
▼ 0.25% · 3.875%
HK$306,313
−HK$9,388/mo
Today · 4.125%
HK$315,701
baseline
▲ 0.50% · 4.625%
HK$334,911
+HK$19,210/mo
Deposit HK$43.43M · loan HK$65.14M · min. income ≈ HK$631,402/mo (50% DSR)
Upfront cash ≈ HK$50.25M (deposit + AVD stamp duty HK$6,820,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$330,490
−HK$17,855/mo
▼ 0.25% · 3.875%
HK$339,353
−HK$8,992/mo
Today · 4.125%
HK$348,345
baseline
▲ 0.50% · 4.625%
HK$366,707
+HK$18,362/mo
Deposit HK$43.43M · loan HK$65.14M · min. income ≈ HK$696,690/mo (50% DSR)
Upfront cash ≈ HK$50.25M (deposit + AVD stamp duty HK$6,820,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$346,584
−HK$21,734/mo
▼ 0.25% · 3.875%
HK$357,365
−HK$10,953/mo
Today · 4.125%
HK$368,318
baseline
▲ 0.50% · 4.625%
HK$390,729
+HK$22,411/mo
Deposit HK$32.57M · loan HK$76.00M · min. income ≈ HK$736,636/mo (50% DSR)
Upfront cash ≈ HK$39.39M (deposit + AVD stamp duty HK$6,820,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$385,571
−HK$20,831/mo
▼ 0.25% · 3.875%
HK$395,912
−HK$10,490/mo
Today · 4.125%
HK$406,402
baseline
▲ 0.50% · 4.625%
HK$427,824
+HK$21,422/mo
Deposit HK$32.57M · loan HK$76.00M · min. income ≈ HK$812,804/mo (50% DSR)
Upfront cash ≈ HK$39.39M (deposit + AVD stamp duty HK$6,820,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$445,608
−HK$27,943/mo
▼ 0.25% · 3.875%
HK$459,469
−HK$14,082/mo
Today · 4.125%
HK$473,551
baseline
▲ 0.50% · 4.625%
HK$502,366
+HK$28,815/mo
Deposit HK$10.86M · loan HK$97.71M · min. income ≈ HK$947,102/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$6,820,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$495,734
−HK$26,783/mo
▼ 0.25% · 3.875%
HK$509,030
−HK$13,487/mo
Today · 4.125%
HK$522,517
baseline
▲ 0.50% · 4.625%
HK$550,060
+HK$27,543/mo
Deposit HK$10.86M · loan HK$97.71M · min. income ≈ HK$1,045,034/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$6,820,016 · Scale 2, in force from 26 Feb 2026)