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$321,941
−HK$20,188/mo
▼ 0.25% · 3.875%
HK$331,955
−HK$10,174/mo
Today · 4.125%
HK$342,129
baseline
▲ 0.50% · 4.625%
HK$362,947
+HK$20,818/mo
Deposit HK$70.59M · loan HK$70.59M · min. income ≈ HK$684,258/mo (50% DSR)
Upfront cash ≈ HK$79.77M (deposit + AVD stamp duty HK$9,177,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$358,156
−HK$19,350/mo
▼ 0.25% · 3.875%
HK$367,761
−HK$9,745/mo
Today · 4.125%
HK$377,506
baseline
▲ 0.50% · 4.625%
HK$397,405
+HK$19,899/mo
Deposit HK$70.59M · loan HK$70.59M · min. income ≈ HK$755,012/mo (50% DSR)
Upfront cash ≈ HK$79.77M (deposit + AVD stamp duty HK$9,177,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$386,329
−HK$24,226/mo
▼ 0.25% · 3.875%
HK$398,346
−HK$12,209/mo
Today · 4.125%
HK$410,555
baseline
▲ 0.50% · 4.625%
HK$435,536
+HK$24,981/mo
Deposit HK$56.47M · loan HK$84.71M · min. income ≈ HK$821,110/mo (50% DSR)
Upfront cash ≈ HK$65.65M (deposit + AVD stamp duty HK$9,177,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$429,787
−HK$23,220/mo
▼ 0.25% · 3.875%
HK$441,314
−HK$11,693/mo
Today · 4.125%
HK$453,007
baseline
▲ 0.50% · 4.625%
HK$476,886
+HK$23,879/mo
Deposit HK$56.47M · loan HK$84.71M · min. income ≈ HK$906,014/mo (50% DSR)
Upfront cash ≈ HK$65.65M (deposit + AVD stamp duty HK$9,177,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$450,717
−HK$28,264/mo
▼ 0.25% · 3.875%
HK$464,737
−HK$14,244/mo
Today · 4.125%
HK$478,981
baseline
▲ 0.50% · 4.625%
HK$508,126
+HK$29,145/mo
Deposit HK$42.36M · loan HK$98.83M · min. income ≈ HK$957,962/mo (50% DSR)
Upfront cash ≈ HK$51.53M (deposit + AVD stamp duty HK$9,177,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$501,418
−HK$27,090/mo
▼ 0.25% · 3.875%
HK$514,866
−HK$13,642/mo
Today · 4.125%
HK$528,508
baseline
▲ 0.50% · 4.625%
HK$556,367
+HK$27,859/mo
Deposit HK$42.36M · loan HK$98.83M · min. income ≈ HK$1,057,016/mo (50% DSR)
Upfront cash ≈ HK$51.53M (deposit + AVD stamp duty HK$9,177,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$579,493
−HK$36,340/mo
▼ 0.25% · 3.875%
HK$597,519
−HK$18,314/mo
Today · 4.125%
HK$615,833
baseline
▲ 0.50% · 4.625%
HK$653,305
+HK$37,472/mo
Deposit HK$14.12M · loan HK$127.07M · min. income ≈ HK$1,231,666/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$9,177,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$644,680
−HK$34,831/mo
▼ 0.25% · 3.875%
HK$661,970
−HK$17,541/mo
Today · 4.125%
HK$679,511
baseline
▲ 0.50% · 4.625%
HK$715,328
+HK$35,817/mo
Deposit HK$14.12M · loan HK$127.07M · min. income ≈ HK$1,359,022/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$9,177,103 · Scale 2, in force from 26 Feb 2026)