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$250,173
−HK$15,688/mo
▼ 0.25% · 3.875%
HK$257,955
−HK$7,906/mo
Today · 4.125%
HK$265,861
baseline
▲ 0.50% · 4.625%
HK$282,038
+HK$16,177/mo
Deposit HK$54.86M · loan HK$54.86M · min. income ≈ HK$531,722/mo (50% DSR)
Upfront cash ≈ HK$61.99M (deposit + AVD stamp duty HK$7,131,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,315
−HK$15,037/mo
▼ 0.25% · 3.875%
HK$285,780
−HK$7,572/mo
Today · 4.125%
HK$293,352
baseline
▲ 0.50% · 4.625%
HK$308,815
+HK$15,463/mo
Deposit HK$54.86M · loan HK$54.86M · min. income ≈ HK$586,704/mo (50% DSR)
Upfront cash ≈ HK$61.99M (deposit + AVD stamp duty HK$7,131,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,208
−HK$18,826/mo
▼ 0.25% · 3.875%
HK$309,546
−HK$9,488/mo
Today · 4.125%
HK$319,034
baseline
▲ 0.50% · 4.625%
HK$338,446
+HK$19,412/mo
Deposit HK$43.89M · loan HK$65.83M · min. income ≈ HK$638,068/mo (50% DSR)
Upfront cash ≈ HK$51.02M (deposit + AVD stamp duty HK$7,131,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$333,978
−HK$18,044/mo
▼ 0.25% · 3.875%
HK$342,935
−HK$9,087/mo
Today · 4.125%
HK$352,022
baseline
▲ 0.50% · 4.625%
HK$370,578
+HK$18,556/mo
Deposit HK$43.89M · loan HK$65.83M · min. income ≈ HK$704,044/mo (50% DSR)
Upfront cash ≈ HK$51.02M (deposit + AVD stamp duty HK$7,131,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$350,243
−HK$21,963/mo
▼ 0.25% · 3.875%
HK$361,137
−HK$11,069/mo
Today · 4.125%
HK$372,206
baseline
▲ 0.50% · 4.625%
HK$394,854
+HK$22,648/mo
Deposit HK$32.91M · loan HK$76.80M · min. income ≈ HK$744,412/mo (50% DSR)
Upfront cash ≈ HK$40.05M (deposit + AVD stamp duty HK$7,131,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$389,641
−HK$21,052/mo
▼ 0.25% · 3.875%
HK$400,091
−HK$10,602/mo
Today · 4.125%
HK$410,693
baseline
▲ 0.50% · 4.625%
HK$432,341
+HK$21,648/mo
Deposit HK$32.91M · loan HK$76.80M · min. income ≈ HK$821,386/mo (50% DSR)
Upfront cash ≈ HK$40.05M (deposit + AVD stamp duty HK$7,131,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$450,312
−HK$28,239/mo
▼ 0.25% · 3.875%
HK$464,319
−HK$14,232/mo
Today · 4.125%
HK$478,551
baseline
▲ 0.50% · 4.625%
HK$507,669
+HK$29,118/mo
Deposit HK$10.97M · loan HK$98.74M · min. income ≈ HK$957,102/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$7,131,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$500,968
−HK$27,065/mo
▼ 0.25% · 3.875%
HK$514,403
−HK$13,630/mo
Today · 4.125%
HK$528,033
baseline
▲ 0.50% · 4.625%
HK$555,867
+HK$27,834/mo
Deposit HK$10.97M · loan HK$98.74M · min. income ≈ HK$1,056,066/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$7,131,332 · Scale 2, in force from 26 Feb 2026)