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$248,714
−HK$15,597/mo
▼ 0.25% · 3.875%
HK$256,451
−HK$7,860/mo
Today · 4.125%
HK$264,311
baseline
▲ 0.50% · 4.625%
HK$280,394
+HK$16,083/mo
Deposit HK$54.54M · loan HK$54.54M · min. income ≈ HK$528,622/mo (50% DSR)
Upfront cash ≈ HK$61.51M (deposit + AVD stamp duty HK$6,971,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,692
−HK$14,949/mo
▼ 0.25% · 3.875%
HK$284,113
−HK$7,528/mo
Today · 4.125%
HK$291,641
baseline
▲ 0.50% · 4.625%
HK$307,014
+HK$15,373/mo
Deposit HK$54.54M · loan HK$54.54M · min. income ≈ HK$583,282/mo (50% DSR)
Upfront cash ≈ HK$61.51M (deposit + AVD stamp duty HK$6,971,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$298,457
−HK$18,716/mo
▼ 0.25% · 3.875%
HK$307,741
−HK$9,432/mo
Today · 4.125%
HK$317,173
baseline
▲ 0.50% · 4.625%
HK$336,472
+HK$19,299/mo
Deposit HK$43.63M · loan HK$65.44M · min. income ≈ HK$634,346/mo (50% DSR)
Upfront cash ≈ HK$50.60M (deposit + AVD stamp duty HK$6,971,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$332,031
−HK$17,938/mo
▼ 0.25% · 3.875%
HK$340,936
−HK$9,033/mo
Today · 4.125%
HK$349,969
baseline
▲ 0.50% · 4.625%
HK$368,417
+HK$18,448/mo
Deposit HK$43.63M · loan HK$65.44M · min. income ≈ HK$699,938/mo (50% DSR)
Upfront cash ≈ HK$50.60M (deposit + AVD stamp duty HK$6,971,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$348,200
−HK$21,835/mo
▼ 0.25% · 3.875%
HK$359,031
−HK$11,004/mo
Today · 4.125%
HK$370,035
baseline
▲ 0.50% · 4.625%
HK$392,551
+HK$22,516/mo
Deposit HK$32.72M · loan HK$76.35M · min. income ≈ HK$740,070/mo (50% DSR)
Upfront cash ≈ HK$39.69M (deposit + AVD stamp duty HK$6,971,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$387,369
−HK$20,929/mo
▼ 0.25% · 3.875%
HK$397,758
−HK$10,540/mo
Today · 4.125%
HK$408,298
baseline
▲ 0.50% · 4.625%
HK$429,819
+HK$21,521/mo
Deposit HK$32.72M · loan HK$76.35M · min. income ≈ HK$816,596/mo (50% DSR)
Upfront cash ≈ HK$39.69M (deposit + AVD stamp duty HK$6,971,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$447,686
−HK$28,074/mo
▼ 0.25% · 3.875%
HK$461,612
−HK$14,148/mo
Today · 4.125%
HK$475,760
baseline
▲ 0.50% · 4.625%
HK$504,709
+HK$28,949/mo
Deposit HK$10.91M · loan HK$98.17M · min. income ≈ HK$951,520/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$6,971,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$498,046
−HK$26,908/mo
▼ 0.25% · 3.875%
HK$511,403
−HK$13,551/mo
Today · 4.125%
HK$524,954
baseline
▲ 0.50% · 4.625%
HK$552,625
+HK$27,671/mo
Deposit HK$10.91M · loan HK$98.17M · min. income ≈ HK$1,049,908/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$6,971,900 · Scale 2, in force from 26 Feb 2026)