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$247,625
−HK$15,529/mo
▼ 0.25% · 3.875%
HK$255,328
−HK$7,826/mo
Today · 4.125%
HK$263,154
baseline
▲ 0.50% · 4.625%
HK$279,166
+HK$16,012/mo
Deposit HK$54.30M · loan HK$54.30M · min. income ≈ HK$526,308/mo (50% DSR)
Upfront cash ≈ HK$61.13M (deposit + AVD stamp duty HK$6,828,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,481
−HK$14,883/mo
▼ 0.25% · 3.875%
HK$282,869
−HK$7,495/mo
Today · 4.125%
HK$290,364
baseline
▲ 0.50% · 4.625%
HK$305,670
+HK$15,306/mo
Deposit HK$54.30M · loan HK$54.30M · min. income ≈ HK$580,728/mo (50% DSR)
Upfront cash ≈ HK$61.13M (deposit + AVD stamp duty HK$6,828,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,151
−HK$18,634/mo
▼ 0.25% · 3.875%
HK$306,394
−HK$9,391/mo
Today · 4.125%
HK$315,785
baseline
▲ 0.50% · 4.625%
HK$334,999
+HK$19,214/mo
Deposit HK$43.44M · loan HK$65.16M · min. income ≈ HK$631,570/mo (50% DSR)
Upfront cash ≈ HK$50.27M (deposit + AVD stamp duty HK$6,828,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$330,577
−HK$17,860/mo
▼ 0.25% · 3.875%
HK$339,443
−HK$8,994/mo
Today · 4.125%
HK$348,437
baseline
▲ 0.50% · 4.625%
HK$366,804
+HK$18,367/mo
Deposit HK$43.44M · loan HK$65.16M · min. income ≈ HK$696,874/mo (50% DSR)
Upfront cash ≈ HK$50.27M (deposit + AVD stamp duty HK$6,828,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$346,676
−HK$21,739/mo
▼ 0.25% · 3.875%
HK$357,459
−HK$10,956/mo
Today · 4.125%
HK$368,415
baseline
▲ 0.50% · 4.625%
HK$390,833
+HK$22,418/mo
Deposit HK$32.58M · loan HK$76.02M · min. income ≈ HK$736,830/mo (50% DSR)
Upfront cash ≈ HK$39.41M (deposit + AVD stamp duty HK$6,828,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$385,673
−HK$20,837/mo
▼ 0.25% · 3.875%
HK$396,017
−HK$10,493/mo
Today · 4.125%
HK$406,510
baseline
▲ 0.50% · 4.625%
HK$427,938
+HK$21,428/mo
Deposit HK$32.58M · loan HK$76.02M · min. income ≈ HK$813,020/mo (50% DSR)
Upfront cash ≈ HK$39.41M (deposit + AVD stamp duty HK$6,828,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$445,726
−HK$27,951/mo
▼ 0.25% · 3.875%
HK$459,590
−HK$14,087/mo
Today · 4.125%
HK$473,677
baseline
▲ 0.50% · 4.625%
HK$502,499
+HK$28,822/mo
Deposit HK$10.86M · loan HK$97.74M · min. income ≈ HK$947,354/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$6,828,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$495,866
−HK$26,790/mo
▼ 0.25% · 3.875%
HK$509,164
−HK$13,492/mo
Today · 4.125%
HK$522,656
baseline
▲ 0.50% · 4.625%
HK$550,206
+HK$27,550/mo
Deposit HK$10.86M · loan HK$97.74M · min. income ≈ HK$1,045,312/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$6,828,637 · Scale 2, in force from 26 Feb 2026)