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$333,979
−HK$20,944/mo
▼ 0.25% · 3.875%
HK$344,368
−HK$10,555/mo
Today · 4.125%
HK$354,923
baseline
▲ 0.50% · 4.625%
HK$376,519
+HK$21,596/mo
Deposit HK$73.23M · loan HK$73.23M · min. income ≈ HK$709,846/mo (50% DSR)
Upfront cash ≈ HK$82.75M (deposit + AVD stamp duty HK$9,520,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$371,549
−HK$20,073/mo
▼ 0.25% · 3.875%
HK$381,513
−HK$10,109/mo
Today · 4.125%
HK$391,622
baseline
▲ 0.50% · 4.625%
HK$412,265
+HK$20,643/mo
Deposit HK$73.23M · loan HK$73.23M · min. income ≈ HK$783,244/mo (50% DSR)
Upfront cash ≈ HK$82.75M (deposit + AVD stamp duty HK$9,520,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$400,775
−HK$25,132/mo
▼ 0.25% · 3.875%
HK$413,241
−HK$12,666/mo
Today · 4.125%
HK$425,907
baseline
▲ 0.50% · 4.625%
HK$451,823
+HK$25,916/mo
Deposit HK$58.59M · loan HK$87.88M · min. income ≈ HK$851,814/mo (50% DSR)
Upfront cash ≈ HK$68.11M (deposit + AVD stamp duty HK$9,520,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$445,858
−HK$24,089/mo
▼ 0.25% · 3.875%
HK$457,816
−HK$12,131/mo
Today · 4.125%
HK$469,947
baseline
▲ 0.50% · 4.625%
HK$494,718
+HK$24,771/mo
Deposit HK$58.59M · loan HK$87.88M · min. income ≈ HK$939,894/mo (50% DSR)
Upfront cash ≈ HK$68.11M (deposit + AVD stamp duty HK$9,520,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$467,571
−HK$29,321/mo
▼ 0.25% · 3.875%
HK$482,115
−HK$14,777/mo
Today · 4.125%
HK$496,892
baseline
▲ 0.50% · 4.625%
HK$527,126
+HK$30,234/mo
Deposit HK$43.94M · loan HK$102.53M · min. income ≈ HK$993,784/mo (50% DSR)
Upfront cash ≈ HK$53.46M (deposit + AVD stamp duty HK$9,520,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$520,168
−HK$28,103/mo
▼ 0.25% · 3.875%
HK$534,119
−HK$14,152/mo
Today · 4.125%
HK$548,271
baseline
▲ 0.50% · 4.625%
HK$577,171
+HK$28,900/mo
Deposit HK$43.94M · loan HK$102.53M · min. income ≈ HK$1,096,542/mo (50% DSR)
Upfront cash ≈ HK$53.46M (deposit + AVD stamp duty HK$9,520,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$601,163
−HK$37,698/mo
▼ 0.25% · 3.875%
HK$619,862
−HK$18,999/mo
Today · 4.125%
HK$638,861
baseline
▲ 0.50% · 4.625%
HK$677,734
+HK$38,873/mo
Deposit HK$14.65M · loan HK$131.82M · min. income ≈ HK$1,277,722/mo (50% DSR)
Upfront cash ≈ HK$24.17M (deposit + AVD stamp duty HK$9,520,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$668,787
−HK$36,133/mo
▼ 0.25% · 3.875%
HK$686,724
−HK$18,196/mo
Today · 4.125%
HK$704,920
baseline
▲ 0.50% · 4.625%
HK$742,077
+HK$37,157/mo
Deposit HK$14.65M · loan HK$131.82M · min. income ≈ HK$1,409,840/mo (50% DSR)
Upfront cash ≈ HK$24.17M (deposit + AVD stamp duty HK$9,520,268 · Scale 2, in force from 26 Feb 2026)