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$294,495
−HK$18,467/mo
▼ 0.25% · 3.875%
HK$303,655
−HK$9,307/mo
Today · 4.125%
HK$312,962
baseline
▲ 0.50% · 4.625%
HK$332,005
+HK$19,043/mo
Deposit HK$64.57M · loan HK$64.57M · min. income ≈ HK$625,924/mo (50% DSR)
Upfront cash ≈ HK$72.97M (deposit + AVD stamp duty HK$8,394,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$327,622
−HK$17,701/mo
▼ 0.25% · 3.875%
HK$336,409
−HK$8,914/mo
Today · 4.125%
HK$345,323
baseline
▲ 0.50% · 4.625%
HK$363,525
+HK$18,202/mo
Deposit HK$64.57M · loan HK$64.57M · min. income ≈ HK$690,646/mo (50% DSR)
Upfront cash ≈ HK$72.97M (deposit + AVD stamp duty HK$8,394,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$353,393
−HK$22,161/mo
▼ 0.25% · 3.875%
HK$364,386
−HK$11,168/mo
Today · 4.125%
HK$375,554
baseline
▲ 0.50% · 4.625%
HK$398,406
+HK$22,852/mo
Deposit HK$51.66M · loan HK$77.49M · min. income ≈ HK$751,108/mo (50% DSR)
Upfront cash ≈ HK$60.05M (deposit + AVD stamp duty HK$8,394,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$393,147
−HK$21,240/mo
▼ 0.25% · 3.875%
HK$403,691
−HK$10,696/mo
Today · 4.125%
HK$414,387
baseline
▲ 0.50% · 4.625%
HK$436,230
+HK$21,843/mo
Deposit HK$51.66M · loan HK$77.49M · min. income ≈ HK$828,774/mo (50% DSR)
Upfront cash ≈ HK$60.05M (deposit + AVD stamp duty HK$8,394,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$412,292
−HK$25,855/mo
▼ 0.25% · 3.875%
HK$425,117
−HK$13,030/mo
Today · 4.125%
HK$438,147
baseline
▲ 0.50% · 4.625%
HK$464,807
+HK$26,660/mo
Deposit HK$38.74M · loan HK$90.40M · min. income ≈ HK$876,294/mo (50% DSR)
Upfront cash ≈ HK$47.14M (deposit + AVD stamp duty HK$8,394,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$458,671
−HK$24,781/mo
▼ 0.25% · 3.875%
HK$470,972
−HK$12,480/mo
Today · 4.125%
HK$483,452
baseline
▲ 0.50% · 4.625%
HK$508,935
+HK$25,483/mo
Deposit HK$38.74M · loan HK$90.40M · min. income ≈ HK$966,904/mo (50% DSR)
Upfront cash ≈ HK$47.14M (deposit + AVD stamp duty HK$8,394,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$530,090
−HK$33,241/mo
▼ 0.25% · 3.875%
HK$546,579
−HK$16,752/mo
Today · 4.125%
HK$563,331
baseline
▲ 0.50% · 4.625%
HK$597,609
+HK$34,278/mo
Deposit HK$12.91M · loan HK$116.23M · min. income ≈ HK$1,126,662/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$8,394,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$589,720
−HK$31,861/mo
▼ 0.25% · 3.875%
HK$605,536
−HK$16,045/mo
Today · 4.125%
HK$621,581
baseline
▲ 0.50% · 4.625%
HK$654,345
+HK$32,764/mo
Deposit HK$12.91M · loan HK$116.23M · min. income ≈ HK$1,243,162/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$8,394,733 · Scale 2, in force from 26 Feb 2026)