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$264,317
−HK$16,575/mo
▼ 0.25% · 3.875%
HK$272,538
−HK$8,354/mo
Today · 4.125%
HK$280,892
baseline
▲ 0.50% · 4.625%
HK$297,983
+HK$17,091/mo
Deposit HK$57.96M · loan HK$57.96M · min. income ≈ HK$561,784/mo (50% DSR)
Upfront cash ≈ HK$65.49M (deposit + AVD stamp duty HK$7,534,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,050
−HK$15,886/mo
▼ 0.25% · 3.875%
HK$301,936
−HK$8,000/mo
Today · 4.125%
HK$309,936
baseline
▲ 0.50% · 4.625%
HK$326,273
+HK$16,337/mo
Deposit HK$57.96M · loan HK$57.96M · min. income ≈ HK$619,872/mo (50% DSR)
Upfront cash ≈ HK$65.49M (deposit + AVD stamp duty HK$7,534,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,180
−HK$19,890/mo
▼ 0.25% · 3.875%
HK$327,046
−HK$10,024/mo
Today · 4.125%
HK$337,070
baseline
▲ 0.50% · 4.625%
HK$357,580
+HK$20,510/mo
Deposit HK$46.37M · loan HK$69.55M · min. income ≈ HK$674,140/mo (50% DSR)
Upfront cash ≈ HK$53.90M (deposit + AVD stamp duty HK$7,534,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,860
−HK$19,064/mo
▼ 0.25% · 3.875%
HK$362,323
−HK$9,601/mo
Today · 4.125%
HK$371,924
baseline
▲ 0.50% · 4.625%
HK$391,528
+HK$19,604/mo
Deposit HK$46.37M · loan HK$69.55M · min. income ≈ HK$743,848/mo (50% DSR)
Upfront cash ≈ HK$53.90M (deposit + AVD stamp duty HK$7,534,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$370,043
−HK$23,205/mo
▼ 0.25% · 3.875%
HK$381,554
−HK$11,694/mo
Today · 4.125%
HK$393,248
baseline
▲ 0.50% · 4.625%
HK$417,177
+HK$23,929/mo
Deposit HK$34.77M · loan HK$81.14M · min. income ≈ HK$786,496/mo (50% DSR)
Upfront cash ≈ HK$42.31M (deposit + AVD stamp duty HK$7,534,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$411,670
−HK$22,241/mo
▼ 0.25% · 3.875%
HK$422,710
−HK$11,201/mo
Today · 4.125%
HK$433,911
baseline
▲ 0.50% · 4.625%
HK$456,783
+HK$22,872/mo
Deposit HK$34.77M · loan HK$81.14M · min. income ≈ HK$867,822/mo (50% DSR)
Upfront cash ≈ HK$42.31M (deposit + AVD stamp duty HK$7,534,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$475,770
−HK$29,835/mo
▼ 0.25% · 3.875%
HK$490,569
−HK$15,036/mo
Today · 4.125%
HK$505,605
baseline
▲ 0.50% · 4.625%
HK$536,370
+HK$30,765/mo
Deposit HK$11.59M · loan HK$104.32M · min. income ≈ HK$1,011,210/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$7,534,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$529,289
−HK$28,596/mo
▼ 0.25% · 3.875%
HK$543,485
−HK$14,400/mo
Today · 4.125%
HK$557,885
baseline
▲ 0.50% · 4.625%
HK$587,292
+HK$29,407/mo
Deposit HK$11.59M · loan HK$104.32M · min. income ≈ HK$1,115,770/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$7,534,499 · Scale 2, in force from 26 Feb 2026)