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$246,838
−HK$15,478/mo
▼ 0.25% · 3.875%
HK$254,516
−HK$7,800/mo
Today · 4.125%
HK$262,316
baseline
▲ 0.50% · 4.625%
HK$278,278
+HK$15,962/mo
Deposit HK$54.12M · loan HK$54.12M · min. income ≈ HK$524,632/mo (50% DSR)
Upfront cash ≈ HK$60.85M (deposit + AVD stamp duty HK$6,724,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,604
−HK$14,836/mo
▼ 0.25% · 3.875%
HK$281,969
−HK$7,471/mo
Today · 4.125%
HK$289,440
baseline
▲ 0.50% · 4.625%
HK$304,697
+HK$15,257/mo
Deposit HK$54.12M · loan HK$54.12M · min. income ≈ HK$578,880/mo (50% DSR)
Upfront cash ≈ HK$60.85M (deposit + AVD stamp duty HK$6,724,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,205
−HK$18,575/mo
▼ 0.25% · 3.875%
HK$305,419
−HK$9,361/mo
Today · 4.125%
HK$314,780
baseline
▲ 0.50% · 4.625%
HK$333,933
+HK$19,153/mo
Deposit HK$43.30M · loan HK$64.95M · min. income ≈ HK$629,560/mo (50% DSR)
Upfront cash ≈ HK$50.02M (deposit + AVD stamp duty HK$6,724,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$329,525
−HK$17,803/mo
▼ 0.25% · 3.875%
HK$338,363
−HK$8,965/mo
Today · 4.125%
HK$347,328
baseline
▲ 0.50% · 4.625%
HK$365,637
+HK$18,309/mo
Deposit HK$43.30M · loan HK$64.95M · min. income ≈ HK$694,656/mo (50% DSR)
Upfront cash ≈ HK$50.02M (deposit + AVD stamp duty HK$6,724,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$345,573
−HK$21,670/mo
▼ 0.25% · 3.875%
HK$356,322
−HK$10,921/mo
Today · 4.125%
HK$367,243
baseline
▲ 0.50% · 4.625%
HK$389,589
+HK$22,346/mo
Deposit HK$32.47M · loan HK$75.77M · min. income ≈ HK$734,486/mo (50% DSR)
Upfront cash ≈ HK$39.20M (deposit + AVD stamp duty HK$6,724,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$384,446
−HK$20,771/mo
▼ 0.25% · 3.875%
HK$394,757
−HK$10,460/mo
Today · 4.125%
HK$405,217
baseline
▲ 0.50% · 4.625%
HK$426,576
+HK$21,359/mo
Deposit HK$32.47M · loan HK$75.77M · min. income ≈ HK$810,434/mo (50% DSR)
Upfront cash ≈ HK$39.20M (deposit + AVD stamp duty HK$6,724,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$444,308
−HK$27,862/mo
▼ 0.25% · 3.875%
HK$458,128
−HK$14,042/mo
Today · 4.125%
HK$472,170
baseline
▲ 0.50% · 4.625%
HK$500,900
+HK$28,730/mo
Deposit HK$10.82M · loan HK$97.42M · min. income ≈ HK$944,340/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$6,724,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$494,288
−HK$26,705/mo
▼ 0.25% · 3.875%
HK$507,544
−HK$13,449/mo
Today · 4.125%
HK$520,993
baseline
▲ 0.50% · 4.625%
HK$548,455
+HK$27,462/mo
Deposit HK$10.82M · loan HK$97.42M · min. income ≈ HK$1,041,986/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$6,724,978 · Scale 2, in force from 26 Feb 2026)