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$273,933
−HK$17,178/mo
▼ 0.25% · 3.875%
HK$282,453
−HK$8,658/mo
Today · 4.125%
HK$291,111
baseline
▲ 0.50% · 4.625%
HK$308,824
+HK$17,713/mo
Deposit HK$60.07M · loan HK$60.07M · min. income ≈ HK$582,222/mo (50% DSR)
Upfront cash ≈ HK$67.87M (deposit + AVD stamp duty HK$7,808,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,747
−HK$16,465/mo
▼ 0.25% · 3.875%
HK$312,920
−HK$8,292/mo
Today · 4.125%
HK$321,212
baseline
▲ 0.50% · 4.625%
HK$338,143
+HK$16,931/mo
Deposit HK$60.07M · loan HK$60.07M · min. income ≈ HK$642,424/mo (50% DSR)
Upfront cash ≈ HK$67.87M (deposit + AVD stamp duty HK$7,808,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,719
−HK$20,614/mo
▼ 0.25% · 3.875%
HK$338,944
−HK$10,389/mo
Today · 4.125%
HK$349,333
baseline
▲ 0.50% · 4.625%
HK$370,589
+HK$21,256/mo
Deposit HK$48.05M · loan HK$72.08M · min. income ≈ HK$698,666/mo (50% DSR)
Upfront cash ≈ HK$55.86M (deposit + AVD stamp duty HK$7,808,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$365,697
−HK$19,757/mo
▼ 0.25% · 3.875%
HK$375,504
−HK$9,950/mo
Today · 4.125%
HK$385,454
baseline
▲ 0.50% · 4.625%
HK$405,772
+HK$20,318/mo
Deposit HK$48.05M · loan HK$72.08M · min. income ≈ HK$770,908/mo (50% DSR)
Upfront cash ≈ HK$55.86M (deposit + AVD stamp duty HK$7,808,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$383,506
−HK$24,049/mo
▼ 0.25% · 3.875%
HK$395,435
−HK$12,120/mo
Today · 4.125%
HK$407,555
baseline
▲ 0.50% · 4.625%
HK$432,353
+HK$24,798/mo
Deposit HK$36.04M · loan HK$84.09M · min. income ≈ HK$815,110/mo (50% DSR)
Upfront cash ≈ HK$43.85M (deposit + AVD stamp duty HK$7,808,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$426,646
−HK$23,050/mo
▼ 0.25% · 3.875%
HK$438,089
−HK$11,607/mo
Today · 4.125%
HK$449,696
baseline
▲ 0.50% · 4.625%
HK$473,401
+HK$23,705/mo
Deposit HK$36.04M · loan HK$84.09M · min. income ≈ HK$899,392/mo (50% DSR)
Upfront cash ≈ HK$43.85M (deposit + AVD stamp duty HK$7,808,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$493,079
−HK$30,920/mo
▼ 0.25% · 3.875%
HK$508,416
−HK$15,583/mo
Today · 4.125%
HK$523,999
baseline
▲ 0.50% · 4.625%
HK$555,883
+HK$31,884/mo
Deposit HK$12.01M · loan HK$108.12M · min. income ≈ HK$1,047,998/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$7,808,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$548,545
−HK$29,636/mo
▼ 0.25% · 3.875%
HK$563,257
−HK$14,924/mo
Today · 4.125%
HK$578,181
baseline
▲ 0.50% · 4.625%
HK$608,658
+HK$30,477/mo
Deposit HK$12.01M · loan HK$108.12M · min. income ≈ HK$1,156,362/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$7,808,602 · Scale 2, in force from 26 Feb 2026)