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$315,956
−HK$19,813/mo
▼ 0.25% · 3.875%
HK$325,784
−HK$9,985/mo
Today · 4.125%
HK$335,769
baseline
▲ 0.50% · 4.625%
HK$356,200
+HK$20,431/mo
Deposit HK$69.28M · loan HK$69.28M · min. income ≈ HK$671,538/mo (50% DSR)
Upfront cash ≈ HK$78.29M (deposit + AVD stamp duty HK$9,006,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$351,498
−HK$18,990/mo
▼ 0.25% · 3.875%
HK$360,925
−HK$9,563/mo
Today · 4.125%
HK$370,488
baseline
▲ 0.50% · 4.625%
HK$390,017
+HK$19,529/mo
Deposit HK$69.28M · loan HK$69.28M · min. income ≈ HK$740,976/mo (50% DSR)
Upfront cash ≈ HK$78.29M (deposit + AVD stamp duty HK$9,006,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$379,147
−HK$23,776/mo
▼ 0.25% · 3.875%
HK$390,941
−HK$11,982/mo
Today · 4.125%
HK$402,923
baseline
▲ 0.50% · 4.625%
HK$427,440
+HK$24,517/mo
Deposit HK$55.42M · loan HK$83.14M · min. income ≈ HK$805,846/mo (50% DSR)
Upfront cash ≈ HK$64.43M (deposit + AVD stamp duty HK$9,006,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$421,798
−HK$22,788/mo
▼ 0.25% · 3.875%
HK$433,110
−HK$11,476/mo
Today · 4.125%
HK$444,586
baseline
▲ 0.50% · 4.625%
HK$468,021
+HK$23,435/mo
Deposit HK$55.42M · loan HK$83.14M · min. income ≈ HK$889,172/mo (50% DSR)
Upfront cash ≈ HK$64.43M (deposit + AVD stamp duty HK$9,006,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$442,339
−HK$27,738/mo
▼ 0.25% · 3.875%
HK$456,098
−HK$13,979/mo
Today · 4.125%
HK$470,077
baseline
▲ 0.50% · 4.625%
HK$498,680
+HK$28,603/mo
Deposit HK$41.57M · loan HK$96.99M · min. income ≈ HK$940,154/mo (50% DSR)
Upfront cash ≈ HK$50.58M (deposit + AVD stamp duty HK$9,006,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$492,097
−HK$26,587/mo
▼ 0.25% · 3.875%
HK$505,295
−HK$13,389/mo
Today · 4.125%
HK$518,684
baseline
▲ 0.50% · 4.625%
HK$546,024
+HK$27,340/mo
Deposit HK$41.57M · loan HK$96.99M · min. income ≈ HK$1,037,368/mo (50% DSR)
Upfront cash ≈ HK$50.58M (deposit + AVD stamp duty HK$9,006,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$568,721
−HK$35,664/mo
▼ 0.25% · 3.875%
HK$586,412
−HK$17,973/mo
Today · 4.125%
HK$604,385
baseline
▲ 0.50% · 4.625%
HK$641,160
+HK$36,775/mo
Deposit HK$13.86M · loan HK$124.71M · min. income ≈ HK$1,208,770/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$9,006,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$632,697
−HK$34,182/mo
▼ 0.25% · 3.875%
HK$649,665
−HK$17,214/mo
Today · 4.125%
HK$666,879
baseline
▲ 0.50% · 4.625%
HK$702,031
+HK$35,152/mo
Deposit HK$13.86M · loan HK$124.71M · min. income ≈ HK$1,333,758/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$9,006,512 · Scale 2, in force from 26 Feb 2026)