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$249,807
−HK$15,665/mo
▼ 0.25% · 3.875%
HK$257,578
−HK$7,894/mo
Today · 4.125%
HK$265,472
baseline
▲ 0.50% · 4.625%
HK$281,626
+HK$16,154/mo
Deposit HK$54.78M · loan HK$54.78M · min. income ≈ HK$530,944/mo (50% DSR)
Upfront cash ≈ HK$61.89M (deposit + AVD stamp duty HK$7,115,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,908
−HK$15,014/mo
▼ 0.25% · 3.875%
HK$285,361
−HK$7,561/mo
Today · 4.125%
HK$292,922
baseline
▲ 0.50% · 4.625%
HK$308,363
+HK$15,441/mo
Deposit HK$54.78M · loan HK$54.78M · min. income ≈ HK$585,844/mo (50% DSR)
Upfront cash ≈ HK$61.89M (deposit + AVD stamp duty HK$7,115,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,769
−HK$18,798/mo
▼ 0.25% · 3.875%
HK$309,093
−HK$9,474/mo
Today · 4.125%
HK$318,567
baseline
▲ 0.50% · 4.625%
HK$337,951
+HK$19,384/mo
Deposit HK$43.82M · loan HK$65.73M · min. income ≈ HK$637,134/mo (50% DSR)
Upfront cash ≈ HK$50.94M (deposit + AVD stamp duty HK$7,115,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$333,490
−HK$18,017/mo
▼ 0.25% · 3.875%
HK$342,434
−HK$9,073/mo
Today · 4.125%
HK$351,507
baseline
▲ 0.50% · 4.625%
HK$370,035
+HK$18,528/mo
Deposit HK$43.82M · loan HK$65.73M · min. income ≈ HK$703,014/mo (50% DSR)
Upfront cash ≈ HK$50.94M (deposit + AVD stamp duty HK$7,115,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$349,730
−HK$21,931/mo
▼ 0.25% · 3.875%
HK$360,609
−HK$11,052/mo
Today · 4.125%
HK$371,661
baseline
▲ 0.50% · 4.625%
HK$394,276
+HK$22,615/mo
Deposit HK$32.87M · loan HK$76.69M · min. income ≈ HK$743,322/mo (50% DSR)
Upfront cash ≈ HK$39.98M (deposit + AVD stamp duty HK$7,115,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$389,071
−HK$21,020/mo
▼ 0.25% · 3.875%
HK$399,506
−HK$10,585/mo
Today · 4.125%
HK$410,091
baseline
▲ 0.50% · 4.625%
HK$431,708
+HK$21,617/mo
Deposit HK$32.87M · loan HK$76.69M · min. income ≈ HK$820,182/mo (50% DSR)
Upfront cash ≈ HK$39.98M (deposit + AVD stamp duty HK$7,115,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$449,653
−HK$28,197/mo
▼ 0.25% · 3.875%
HK$463,640
−HK$14,210/mo
Today · 4.125%
HK$477,850
baseline
▲ 0.50% · 4.625%
HK$506,926
+HK$29,076/mo
Deposit HK$10.96M · loan HK$98.60M · min. income ≈ HK$955,700/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$7,115,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$500,234
−HK$27,026/mo
▼ 0.25% · 3.875%
HK$513,650
−HK$13,610/mo
Today · 4.125%
HK$527,260
baseline
▲ 0.50% · 4.625%
HK$555,053
+HK$27,793/mo
Deposit HK$10.96M · loan HK$98.60M · min. income ≈ HK$1,054,520/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$7,115,662 · Scale 2, in force from 26 Feb 2026)