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$253,610
−HK$15,904/mo
▼ 0.25% · 3.875%
HK$261,499
−HK$8,015/mo
Today · 4.125%
HK$269,514
baseline
▲ 0.50% · 4.625%
HK$285,913
+HK$16,399/mo
Deposit HK$55.61M · loan HK$55.61M · min. income ≈ HK$539,028/mo (50% DSR)
Upfront cash ≈ HK$62.84M (deposit + AVD stamp duty HK$7,229,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,139
−HK$15,243/mo
▼ 0.25% · 3.875%
HK$289,706
−HK$7,676/mo
Today · 4.125%
HK$297,382
baseline
▲ 0.50% · 4.625%
HK$313,058
+HK$15,676/mo
Deposit HK$55.61M · loan HK$55.61M · min. income ≈ HK$594,764/mo (50% DSR)
Upfront cash ≈ HK$62.84M (deposit + AVD stamp duty HK$7,229,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,332
−HK$19,085/mo
▼ 0.25% · 3.875%
HK$313,799
−HK$9,618/mo
Today · 4.125%
HK$323,417
baseline
▲ 0.50% · 4.625%
HK$343,096
+HK$19,679/mo
Deposit HK$44.49M · loan HK$66.73M · min. income ≈ HK$646,834/mo (50% DSR)
Upfront cash ≈ HK$51.72M (deposit + AVD stamp duty HK$7,229,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$338,567
−HK$18,292/mo
▼ 0.25% · 3.875%
HK$347,647
−HK$9,212/mo
Today · 4.125%
HK$356,859
baseline
▲ 0.50% · 4.625%
HK$375,669
+HK$18,810/mo
Deposit HK$44.49M · loan HK$66.73M · min. income ≈ HK$713,718/mo (50% DSR)
Upfront cash ≈ HK$51.72M (deposit + AVD stamp duty HK$7,229,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$355,055
−HK$22,265/mo
▼ 0.25% · 3.875%
HK$366,099
−HK$11,221/mo
Today · 4.125%
HK$377,320
baseline
▲ 0.50% · 4.625%
HK$400,279
+HK$22,959/mo
Deposit HK$33.37M · loan HK$77.85M · min. income ≈ HK$754,640/mo (50% DSR)
Upfront cash ≈ HK$40.60M (deposit + AVD stamp duty HK$7,229,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$394,995
−HK$21,340/mo
▼ 0.25% · 3.875%
HK$405,588
−HK$10,747/mo
Today · 4.125%
HK$416,335
baseline
▲ 0.50% · 4.625%
HK$438,281
+HK$21,946/mo
Deposit HK$33.37M · loan HK$77.85M · min. income ≈ HK$832,670/mo (50% DSR)
Upfront cash ≈ HK$40.60M (deposit + AVD stamp duty HK$7,229,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$456,499
−HK$28,626/mo
▼ 0.25% · 3.875%
HK$470,698
−HK$14,427/mo
Today · 4.125%
HK$485,125
baseline
▲ 0.50% · 4.625%
HK$514,644
+HK$29,519/mo
Deposit HK$11.12M · loan HK$100.10M · min. income ≈ HK$970,250/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$7,229,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$507,850
−HK$27,438/mo
▼ 0.25% · 3.875%
HK$521,471
−HK$13,817/mo
Today · 4.125%
HK$535,288
baseline
▲ 0.50% · 4.625%
HK$563,504
+HK$28,216/mo
Deposit HK$11.12M · loan HK$100.10M · min. income ≈ HK$1,070,576/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$7,229,308 · Scale 2, in force from 26 Feb 2026)