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$311,836
−HK$19,555/mo
▼ 0.25% · 3.875%
HK$321,536
−HK$9,855/mo
Today · 4.125%
HK$331,391
baseline
▲ 0.50% · 4.625%
HK$351,555
+HK$20,164/mo
Deposit HK$68.38M · loan HK$68.38M · min. income ≈ HK$662,782/mo (50% DSR)
Upfront cash ≈ HK$77.27M (deposit + AVD stamp duty HK$8,889,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$346,914
−HK$18,743/mo
▼ 0.25% · 3.875%
HK$356,218
−HK$9,439/mo
Today · 4.125%
HK$365,657
baseline
▲ 0.50% · 4.625%
HK$384,931
+HK$19,274/mo
Deposit HK$68.38M · loan HK$68.38M · min. income ≈ HK$731,314/mo (50% DSR)
Upfront cash ≈ HK$77.27M (deposit + AVD stamp duty HK$8,889,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$374,203
−HK$23,466/mo
▼ 0.25% · 3.875%
HK$385,843
−HK$11,826/mo
Today · 4.125%
HK$397,669
baseline
▲ 0.50% · 4.625%
HK$421,866
+HK$24,197/mo
Deposit HK$54.70M · loan HK$82.05M · min. income ≈ HK$795,338/mo (50% DSR)
Upfront cash ≈ HK$63.59M (deposit + AVD stamp duty HK$8,889,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$416,297
−HK$22,491/mo
▼ 0.25% · 3.875%
HK$427,462
−HK$11,326/mo
Today · 4.125%
HK$438,788
baseline
▲ 0.50% · 4.625%
HK$461,918
+HK$23,130/mo
Deposit HK$54.70M · loan HK$82.05M · min. income ≈ HK$877,576/mo (50% DSR)
Upfront cash ≈ HK$63.59M (deposit + AVD stamp duty HK$8,889,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$436,570
−HK$27,377/mo
▼ 0.25% · 3.875%
HK$450,150
−HK$13,797/mo
Today · 4.125%
HK$463,947
baseline
▲ 0.50% · 4.625%
HK$492,177
+HK$28,230/mo
Deposit HK$41.03M · loan HK$95.73M · min. income ≈ HK$927,894/mo (50% DSR)
Upfront cash ≈ HK$49.92M (deposit + AVD stamp duty HK$8,889,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$485,680
−HK$26,240/mo
▼ 0.25% · 3.875%
HK$498,706
−HK$13,214/mo
Today · 4.125%
HK$511,920
baseline
▲ 0.50% · 4.625%
HK$538,904
+HK$26,984/mo
Deposit HK$41.03M · loan HK$95.73M · min. income ≈ HK$1,023,840/mo (50% DSR)
Upfront cash ≈ HK$49.92M (deposit + AVD stamp duty HK$8,889,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$561,305
−HK$35,198/mo
▼ 0.25% · 3.875%
HK$578,764
−HK$17,739/mo
Today · 4.125%
HK$596,503
baseline
▲ 0.50% · 4.625%
HK$632,799
+HK$36,296/mo
Deposit HK$13.68M · loan HK$123.08M · min. income ≈ HK$1,193,006/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$8,889,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$624,446
−HK$33,737/mo
▼ 0.25% · 3.875%
HK$641,193
−HK$16,990/mo
Today · 4.125%
HK$658,183
baseline
▲ 0.50% · 4.625%
HK$692,876
+HK$34,693/mo
Deposit HK$13.68M · loan HK$123.08M · min. income ≈ HK$1,316,366/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$8,889,059 · Scale 2, in force from 26 Feb 2026)