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$287,564
−HK$18,033/mo
▼ 0.25% · 3.875%
HK$296,509
−HK$9,088/mo
Today · 4.125%
HK$305,597
baseline
▲ 0.50% · 4.625%
HK$324,192
+HK$18,595/mo
Deposit HK$63.06M · loan HK$63.06M · min. income ≈ HK$611,194/mo (50% DSR)
Upfront cash ≈ HK$71.25M (deposit + AVD stamp duty HK$8,197,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$319,912
−HK$17,284/mo
▼ 0.25% · 3.875%
HK$328,492
−HK$8,704/mo
Today · 4.125%
HK$337,196
baseline
▲ 0.50% · 4.625%
HK$354,970
+HK$17,774/mo
Deposit HK$63.06M · loan HK$63.06M · min. income ≈ HK$674,392/mo (50% DSR)
Upfront cash ≈ HK$71.25M (deposit + AVD stamp duty HK$8,197,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$345,077
−HK$21,639/mo
▼ 0.25% · 3.875%
HK$355,811
−HK$10,905/mo
Today · 4.125%
HK$366,716
baseline
▲ 0.50% · 4.625%
HK$389,030
+HK$22,314/mo
Deposit HK$50.44M · loan HK$75.67M · min. income ≈ HK$733,432/mo (50% DSR)
Upfront cash ≈ HK$58.64M (deposit + AVD stamp duty HK$8,197,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$383,894
−HK$20,741/mo
▼ 0.25% · 3.875%
HK$394,190
−HK$10,445/mo
Today · 4.125%
HK$404,635
baseline
▲ 0.50% · 4.625%
HK$425,964
+HK$21,329/mo
Deposit HK$50.44M · loan HK$75.67M · min. income ≈ HK$809,270/mo (50% DSR)
Upfront cash ≈ HK$58.64M (deposit + AVD stamp duty HK$8,197,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$402,590
−HK$25,245/mo
▼ 0.25% · 3.875%
HK$415,112
−HK$12,723/mo
Today · 4.125%
HK$427,835
baseline
▲ 0.50% · 4.625%
HK$453,868
+HK$26,033/mo
Deposit HK$37.83M · loan HK$88.28M · min. income ≈ HK$855,670/mo (50% DSR)
Upfront cash ≈ HK$46.03M (deposit + AVD stamp duty HK$8,197,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$447,877
−HK$24,197/mo
▼ 0.25% · 3.875%
HK$459,889
−HK$12,185/mo
Today · 4.125%
HK$472,074
baseline
▲ 0.50% · 4.625%
HK$496,958
+HK$24,884/mo
Deposit HK$37.83M · loan HK$88.28M · min. income ≈ HK$944,148/mo (50% DSR)
Upfront cash ≈ HK$46.03M (deposit + AVD stamp duty HK$8,197,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$517,615
−HK$32,459/mo
▼ 0.25% · 3.875%
HK$533,716
−HK$16,358/mo
Today · 4.125%
HK$550,074
baseline
▲ 0.50% · 4.625%
HK$583,545
+HK$33,471/mo
Deposit HK$12.61M · loan HK$113.50M · min. income ≈ HK$1,100,148/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$8,197,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$575,842
−HK$31,111/mo
▼ 0.25% · 3.875%
HK$591,285
−HK$15,668/mo
Today · 4.125%
HK$606,953
baseline
▲ 0.50% · 4.625%
HK$638,946
+HK$31,993/mo
Deposit HK$12.61M · loan HK$113.50M · min. income ≈ HK$1,213,906/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$8,197,174 · Scale 2, in force from 26 Feb 2026)