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$252,125
−HK$15,811/mo
▼ 0.25% · 3.875%
HK$259,968
−HK$7,968/mo
Today · 4.125%
HK$267,936
baseline
▲ 0.50% · 4.625%
HK$284,239
+HK$16,303/mo
Deposit HK$55.28M · loan HK$55.28M · min. income ≈ HK$535,872/mo (50% DSR)
Upfront cash ≈ HK$62.47M (deposit + AVD stamp duty HK$7,186,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,487
−HK$15,154/mo
▼ 0.25% · 3.875%
HK$288,009
−HK$7,632/mo
Today · 4.125%
HK$295,641
baseline
▲ 0.50% · 4.625%
HK$311,224
+HK$15,583/mo
Deposit HK$55.28M · loan HK$55.28M · min. income ≈ HK$591,282/mo (50% DSR)
Upfront cash ≈ HK$62.47M (deposit + AVD stamp duty HK$7,186,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$302,550
−HK$18,973/mo
▼ 0.25% · 3.875%
HK$311,961
−HK$9,562/mo
Today · 4.125%
HK$321,523
baseline
▲ 0.50% · 4.625%
HK$341,087
+HK$19,564/mo
Deposit HK$44.23M · loan HK$66.34M · min. income ≈ HK$643,046/mo (50% DSR)
Upfront cash ≈ HK$51.41M (deposit + AVD stamp duty HK$7,186,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$336,584
−HK$18,185/mo
▼ 0.25% · 3.875%
HK$345,611
−HK$9,158/mo
Today · 4.125%
HK$354,769
baseline
▲ 0.50% · 4.625%
HK$373,469
+HK$18,700/mo
Deposit HK$44.23M · loan HK$66.34M · min. income ≈ HK$709,538/mo (50% DSR)
Upfront cash ≈ HK$51.41M (deposit + AVD stamp duty HK$7,186,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,975
−HK$22,135/mo
▼ 0.25% · 3.875%
HK$363,955
−HK$11,155/mo
Today · 4.125%
HK$375,110
baseline
▲ 0.50% · 4.625%
HK$397,934
+HK$22,824/mo
Deposit HK$33.17M · loan HK$77.40M · min. income ≈ HK$750,220/mo (50% DSR)
Upfront cash ≈ HK$40.36M (deposit + AVD stamp duty HK$7,186,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$392,681
−HK$21,216/mo
▼ 0.25% · 3.875%
HK$403,213
−HK$10,684/mo
Today · 4.125%
HK$413,897
baseline
▲ 0.50% · 4.625%
HK$435,714
+HK$21,817/mo
Deposit HK$33.17M · loan HK$77.40M · min. income ≈ HK$827,794/mo (50% DSR)
Upfront cash ≈ HK$40.36M (deposit + AVD stamp duty HK$7,186,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$453,825
−HK$28,459/mo
▼ 0.25% · 3.875%
HK$467,942
−HK$14,342/mo
Today · 4.125%
HK$482,284
baseline
▲ 0.50% · 4.625%
HK$511,630
+HK$29,346/mo
Deposit HK$11.06M · loan HK$99.51M · min. income ≈ HK$964,568/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$7,186,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$504,876
−HK$27,277/mo
▼ 0.25% · 3.875%
HK$518,417
−HK$13,736/mo
Today · 4.125%
HK$532,153
baseline
▲ 0.50% · 4.625%
HK$560,203
+HK$28,050/mo
Deposit HK$11.06M · loan HK$99.51M · min. income ≈ HK$1,064,306/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$7,186,970 · Scale 2, in force from 26 Feb 2026)