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$346,068
−HK$21,702/mo
▼ 0.25% · 3.875%
HK$356,833
−HK$10,937/mo
Today · 4.125%
HK$367,770
baseline
▲ 0.50% · 4.625%
HK$390,147
+HK$22,377/mo
Deposit HK$75.88M · loan HK$75.88M · min. income ≈ HK$735,540/mo (50% DSR)
Upfront cash ≈ HK$85.75M (deposit + AVD stamp duty HK$9,864,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$384,997
−HK$20,800/mo
▼ 0.25% · 3.875%
HK$395,323
−HK$10,474/mo
Today · 4.125%
HK$405,797
baseline
▲ 0.50% · 4.625%
HK$427,188
+HK$21,391/mo
Deposit HK$75.88M · loan HK$75.88M · min. income ≈ HK$811,594/mo (50% DSR)
Upfront cash ≈ HK$85.75M (deposit + AVD stamp duty HK$9,864,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$415,282
−HK$26,041/mo
▼ 0.25% · 3.875%
HK$428,199
−HK$13,124/mo
Today · 4.125%
HK$441,323
baseline
▲ 0.50% · 4.625%
HK$468,177
+HK$26,854/mo
Deposit HK$60.71M · loan HK$91.06M · min. income ≈ HK$882,646/mo (50% DSR)
Upfront cash ≈ HK$70.57M (deposit + AVD stamp duty HK$9,864,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$461,997
−HK$24,960/mo
▼ 0.25% · 3.875%
HK$474,387
−HK$12,570/mo
Today · 4.125%
HK$486,957
baseline
▲ 0.50% · 4.625%
HK$512,625
+HK$25,668/mo
Deposit HK$60.71M · loan HK$91.06M · min. income ≈ HK$973,914/mo (50% DSR)
Upfront cash ≈ HK$70.57M (deposit + AVD stamp duty HK$9,864,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$484,495
−HK$30,382/mo
▼ 0.25% · 3.875%
HK$499,566
−HK$15,311/mo
Today · 4.125%
HK$514,877
baseline
▲ 0.50% · 4.625%
HK$546,206
+HK$31,329/mo
Deposit HK$45.53M · loan HK$106.24M · min. income ≈ HK$1,029,754/mo (50% DSR)
Upfront cash ≈ HK$55.40M (deposit + AVD stamp duty HK$9,864,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$538,996
−HK$29,120/mo
▼ 0.25% · 3.875%
HK$553,452
−HK$14,664/mo
Today · 4.125%
HK$568,116
baseline
▲ 0.50% · 4.625%
HK$598,063
+HK$29,947/mo
Deposit HK$45.53M · loan HK$106.24M · min. income ≈ HK$1,136,232/mo (50% DSR)
Upfront cash ≈ HK$55.40M (deposit + AVD stamp duty HK$9,864,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$622,922
−HK$39,063/mo
▼ 0.25% · 3.875%
HK$642,299
−HK$19,686/mo
Today · 4.125%
HK$661,985
baseline
▲ 0.50% · 4.625%
HK$702,265
+HK$40,280/mo
Deposit HK$15.18M · loan HK$136.59M · min. income ≈ HK$1,323,970/mo (50% DSR)
Upfront cash ≈ HK$25.04M (deposit + AVD stamp duty HK$9,864,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$692,995
−HK$37,440/mo
▼ 0.25% · 3.875%
HK$711,581
−HK$18,854/mo
Today · 4.125%
HK$730,435
baseline
▲ 0.50% · 4.625%
HK$768,938
+HK$38,503/mo
Deposit HK$15.18M · loan HK$136.59M · min. income ≈ HK$1,460,870/mo (50% DSR)
Upfront cash ≈ HK$25.04M (deposit + AVD stamp duty HK$9,864,866 · Scale 2, in force from 26 Feb 2026)