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$294,883
−HK$18,492/mo
▼ 0.25% · 3.875%
HK$304,055
−HK$9,320/mo
Today · 4.125%
HK$313,375
baseline
▲ 0.50% · 4.625%
HK$332,443
+HK$19,068/mo
Deposit HK$64.66M · loan HK$64.66M · min. income ≈ HK$626,750/mo (50% DSR)
Upfront cash ≈ HK$73.07M (deposit + AVD stamp duty HK$8,405,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,054
−HK$17,724/mo
▼ 0.25% · 3.875%
HK$336,852
−HK$8,926/mo
Today · 4.125%
HK$345,778
baseline
▲ 0.50% · 4.625%
HK$364,004
+HK$18,226/mo
Deposit HK$64.66M · loan HK$64.66M · min. income ≈ HK$691,556/mo (50% DSR)
Upfront cash ≈ HK$73.07M (deposit + AVD stamp duty HK$8,405,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$353,859
−HK$22,191/mo
▼ 0.25% · 3.875%
HK$364,867
−HK$11,183/mo
Today · 4.125%
HK$376,050
baseline
▲ 0.50% · 4.625%
HK$398,931
+HK$22,881/mo
Deposit HK$51.73M · loan HK$77.59M · min. income ≈ HK$752,100/mo (50% DSR)
Upfront cash ≈ HK$60.13M (deposit + AVD stamp duty HK$8,405,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$393,665
−HK$21,269/mo
▼ 0.25% · 3.875%
HK$404,223
−HK$10,711/mo
Today · 4.125%
HK$414,934
baseline
▲ 0.50% · 4.625%
HK$436,805
+HK$21,871/mo
Deposit HK$51.73M · loan HK$77.59M · min. income ≈ HK$829,868/mo (50% DSR)
Upfront cash ≈ HK$60.13M (deposit + AVD stamp duty HK$8,405,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$412,836
−HK$25,889/mo
▼ 0.25% · 3.875%
HK$425,678
−HK$13,047/mo
Today · 4.125%
HK$438,725
baseline
▲ 0.50% · 4.625%
HK$465,420
+HK$26,695/mo
Deposit HK$38.80M · loan HK$90.52M · min. income ≈ HK$877,450/mo (50% DSR)
Upfront cash ≈ HK$47.20M (deposit + AVD stamp duty HK$8,405,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$459,276
−HK$24,813/mo
▼ 0.25% · 3.875%
HK$471,593
−HK$12,496/mo
Today · 4.125%
HK$484,089
baseline
▲ 0.50% · 4.625%
HK$509,606
+HK$25,517/mo
Deposit HK$38.80M · loan HK$90.52M · min. income ≈ HK$968,178/mo (50% DSR)
Upfront cash ≈ HK$47.20M (deposit + AVD stamp duty HK$8,405,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$530,789
−HK$33,285/mo
▼ 0.25% · 3.875%
HK$547,300
−HK$16,774/mo
Today · 4.125%
HK$564,074
baseline
▲ 0.50% · 4.625%
HK$598,397
+HK$34,323/mo
Deposit HK$12.93M · loan HK$116.39M · min. income ≈ HK$1,128,148/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$8,405,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$590,498
−HK$31,902/mo
▼ 0.25% · 3.875%
HK$606,334
−HK$16,066/mo
Today · 4.125%
HK$622,400
baseline
▲ 0.50% · 4.625%
HK$655,208
+HK$32,808/mo
Deposit HK$12.93M · loan HK$116.39M · min. income ≈ HK$1,244,800/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$8,405,804 · Scale 2, in force from 26 Feb 2026)