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$268,058
−HK$16,810/mo
▼ 0.25% · 3.875%
HK$276,397
−HK$8,471/mo
Today · 4.125%
HK$284,868
baseline
▲ 0.50% · 4.625%
HK$302,202
+HK$17,334/mo
Deposit HK$58.78M · loan HK$58.78M · min. income ≈ HK$569,736/mo (50% DSR)
Upfront cash ≈ HK$66.42M (deposit + AVD stamp duty HK$7,641,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$298,212
−HK$16,112/mo
▼ 0.25% · 3.875%
HK$306,210
−HK$8,114/mo
Today · 4.125%
HK$314,324
baseline
▲ 0.50% · 4.625%
HK$330,892
+HK$16,568/mo
Deposit HK$58.78M · loan HK$58.78M · min. income ≈ HK$628,648/mo (50% DSR)
Upfront cash ≈ HK$66.42M (deposit + AVD stamp duty HK$7,641,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$321,670
−HK$20,172/mo
▼ 0.25% · 3.875%
HK$331,676
−HK$10,166/mo
Today · 4.125%
HK$341,842
baseline
▲ 0.50% · 4.625%
HK$362,642
+HK$20,800/mo
Deposit HK$47.02M · loan HK$70.53M · min. income ≈ HK$683,684/mo (50% DSR)
Upfront cash ≈ HK$54.66M (deposit + AVD stamp duty HK$7,641,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$357,855
−HK$19,334/mo
▼ 0.25% · 3.875%
HK$367,452
−HK$9,737/mo
Today · 4.125%
HK$377,189
baseline
▲ 0.50% · 4.625%
HK$397,071
+HK$19,882/mo
Deposit HK$47.02M · loan HK$70.53M · min. income ≈ HK$754,378/mo (50% DSR)
Upfront cash ≈ HK$54.66M (deposit + AVD stamp duty HK$7,641,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$375,282
−HK$23,533/mo
▼ 0.25% · 3.875%
HK$386,955
−HK$11,860/mo
Today · 4.125%
HK$398,815
baseline
▲ 0.50% · 4.625%
HK$423,082
+HK$24,267/mo
Deposit HK$35.27M · loan HK$82.29M · min. income ≈ HK$797,630/mo (50% DSR)
Upfront cash ≈ HK$42.91M (deposit + AVD stamp duty HK$7,641,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$417,497
−HK$22,556/mo
▼ 0.25% · 3.875%
HK$428,694
−HK$11,359/mo
Today · 4.125%
HK$440,053
baseline
▲ 0.50% · 4.625%
HK$463,249
+HK$23,196/mo
Deposit HK$35.27M · loan HK$82.29M · min. income ≈ HK$880,106/mo (50% DSR)
Upfront cash ≈ HK$42.91M (deposit + AVD stamp duty HK$7,641,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$482,505
−HK$30,258/mo
▼ 0.25% · 3.875%
HK$497,514
−HK$15,249/mo
Today · 4.125%
HK$512,763
baseline
▲ 0.50% · 4.625%
HK$543,963
+HK$31,200/mo
Deposit HK$11.76M · loan HK$105.80M · min. income ≈ HK$1,025,526/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$7,641,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$536,782
−HK$29,001/mo
▼ 0.25% · 3.875%
HK$551,178
−HK$14,605/mo
Today · 4.125%
HK$565,783
baseline
▲ 0.50% · 4.625%
HK$595,606
+HK$29,823/mo
Deposit HK$11.76M · loan HK$105.80M · min. income ≈ HK$1,131,566/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$7,641,158 · Scale 2, in force from 26 Feb 2026)