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$326,203
−HK$20,456/mo
▼ 0.25% · 3.875%
HK$336,350
−HK$10,309/mo
Today · 4.125%
HK$346,659
baseline
▲ 0.50% · 4.625%
HK$367,752
+HK$21,093/mo
Deposit HK$71.53M · loan HK$71.53M · min. income ≈ HK$693,318/mo (50% DSR)
Upfront cash ≈ HK$80.83M (deposit + AVD stamp duty HK$9,298,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$362,898
−HK$19,606/mo
▼ 0.25% · 3.875%
HK$372,631
−HK$9,873/mo
Today · 4.125%
HK$382,504
baseline
▲ 0.50% · 4.625%
HK$402,666
+HK$20,162/mo
Deposit HK$71.53M · loan HK$71.53M · min. income ≈ HK$765,008/mo (50% DSR)
Upfront cash ≈ HK$80.83M (deposit + AVD stamp duty HK$9,298,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$391,444
−HK$24,547/mo
▼ 0.25% · 3.875%
HK$403,620
−HK$12,371/mo
Today · 4.125%
HK$415,991
baseline
▲ 0.50% · 4.625%
HK$441,303
+HK$25,312/mo
Deposit HK$57.22M · loan HK$85.83M · min. income ≈ HK$831,982/mo (50% DSR)
Upfront cash ≈ HK$66.52M (deposit + AVD stamp duty HK$9,298,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$435,477
−HK$23,528/mo
▼ 0.25% · 3.875%
HK$447,157
−HK$11,848/mo
Today · 4.125%
HK$459,005
baseline
▲ 0.50% · 4.625%
HK$483,200
+HK$24,195/mo
Deposit HK$57.22M · loan HK$85.83M · min. income ≈ HK$918,010/mo (50% DSR)
Upfront cash ≈ HK$66.52M (deposit + AVD stamp duty HK$9,298,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$456,685
−HK$28,638/mo
▼ 0.25% · 3.875%
HK$470,890
−HK$14,433/mo
Today · 4.125%
HK$485,323
baseline
▲ 0.50% · 4.625%
HK$514,853
+HK$29,530/mo
Deposit HK$42.92M · loan HK$100.14M · min. income ≈ HK$970,646/mo (50% DSR)
Upfront cash ≈ HK$52.22M (deposit + AVD stamp duty HK$9,298,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$508,057
−HK$27,449/mo
▼ 0.25% · 3.875%
HK$521,683
−HK$13,823/mo
Today · 4.125%
HK$535,506
baseline
▲ 0.50% · 4.625%
HK$563,733
+HK$28,227/mo
Deposit HK$42.92M · loan HK$100.14M · min. income ≈ HK$1,071,012/mo (50% DSR)
Upfront cash ≈ HK$52.22M (deposit + AVD stamp duty HK$9,298,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$587,166
−HK$36,820/mo
▼ 0.25% · 3.875%
HK$605,430
−HK$18,556/mo
Today · 4.125%
HK$623,986
baseline
▲ 0.50% · 4.625%
HK$661,954
+HK$37,968/mo
Deposit HK$14.31M · loan HK$128.75M · min. income ≈ HK$1,247,972/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$9,298,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$653,216
−HK$35,291/mo
▼ 0.25% · 3.875%
HK$670,735
−HK$17,772/mo
Today · 4.125%
HK$688,507
baseline
▲ 0.50% · 4.625%
HK$724,799
+HK$36,292/mo
Deposit HK$14.31M · loan HK$128.75M · min. income ≈ HK$1,377,014/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$9,298,608 · Scale 2, in force from 26 Feb 2026)