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$322,800
−HK$20,243/mo
▼ 0.25% · 3.875%
HK$332,841
−HK$10,202/mo
Today · 4.125%
HK$343,043
baseline
▲ 0.50% · 4.625%
HK$363,916
+HK$20,873/mo
Deposit HK$70.78M · loan HK$70.78M · min. income ≈ HK$686,086/mo (50% DSR)
Upfront cash ≈ HK$79.98M (deposit + AVD stamp duty HK$9,201,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$359,112
−HK$19,402/mo
▼ 0.25% · 3.875%
HK$368,743
−HK$9,771/mo
Today · 4.125%
HK$378,514
baseline
▲ 0.50% · 4.625%
HK$398,466
+HK$19,952/mo
Deposit HK$70.78M · loan HK$70.78M · min. income ≈ HK$757,028/mo (50% DSR)
Upfront cash ≈ HK$79.98M (deposit + AVD stamp duty HK$9,201,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$387,360
−HK$24,291/mo
▼ 0.25% · 3.875%
HK$399,410
−HK$12,241/mo
Today · 4.125%
HK$411,651
baseline
▲ 0.50% · 4.625%
HK$436,699
+HK$25,048/mo
Deposit HK$56.63M · loan HK$84.94M · min. income ≈ HK$823,302/mo (50% DSR)
Upfront cash ≈ HK$65.83M (deposit + AVD stamp duty HK$9,201,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$430,935
−HK$23,282/mo
▼ 0.25% · 3.875%
HK$442,492
−HK$11,725/mo
Today · 4.125%
HK$454,217
baseline
▲ 0.50% · 4.625%
HK$478,159
+HK$23,942/mo
Deposit HK$56.63M · loan HK$84.94M · min. income ≈ HK$908,434/mo (50% DSR)
Upfront cash ≈ HK$65.83M (deposit + AVD stamp duty HK$9,201,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$451,921
−HK$28,339/mo
▼ 0.25% · 3.875%
HK$465,978
−HK$14,282/mo
Today · 4.125%
HK$480,260
baseline
▲ 0.50% · 4.625%
HK$509,483
+HK$29,223/mo
Deposit HK$42.47M · loan HK$99.09M · min. income ≈ HK$960,520/mo (50% DSR)
Upfront cash ≈ HK$51.67M (deposit + AVD stamp duty HK$9,201,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$502,757
−HK$27,162/mo
▼ 0.25% · 3.875%
HK$516,241
−HK$13,678/mo
Today · 4.125%
HK$529,919
baseline
▲ 0.50% · 4.625%
HK$557,852
+HK$27,933/mo
Deposit HK$42.47M · loan HK$99.09M · min. income ≈ HK$1,059,838/mo (50% DSR)
Upfront cash ≈ HK$51.67M (deposit + AVD stamp duty HK$9,201,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$581,041
−HK$36,436/mo
▼ 0.25% · 3.875%
HK$599,114
−HK$18,363/mo
Today · 4.125%
HK$617,477
baseline
▲ 0.50% · 4.625%
HK$655,049
+HK$37,572/mo
Deposit HK$14.16M · loan HK$127.41M · min. income ≈ HK$1,234,954/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$9,201,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$646,402
−HK$34,923/mo
▼ 0.25% · 3.875%
HK$663,738
−HK$17,587/mo
Today · 4.125%
HK$681,325
baseline
▲ 0.50% · 4.625%
HK$717,239
+HK$35,914/mo
Deposit HK$14.16M · loan HK$127.41M · min. income ≈ HK$1,362,650/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$9,201,607 · Scale 2, in force from 26 Feb 2026)