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$310,671
−HK$19,482/mo
▼ 0.25% · 3.875%
HK$320,334
−HK$9,819/mo
Today · 4.125%
HK$330,153
baseline
▲ 0.50% · 4.625%
HK$350,242
+HK$20,089/mo
Deposit HK$68.12M · loan HK$68.12M · min. income ≈ HK$660,306/mo (50% DSR)
Upfront cash ≈ HK$76.98M (deposit + AVD stamp duty HK$8,855,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$345,618
−HK$18,673/mo
▼ 0.25% · 3.875%
HK$354,887
−HK$9,404/mo
Today · 4.125%
HK$364,291
baseline
▲ 0.50% · 4.625%
HK$383,493
+HK$19,202/mo
Deposit HK$68.12M · loan HK$68.12M · min. income ≈ HK$728,582/mo (50% DSR)
Upfront cash ≈ HK$76.98M (deposit + AVD stamp duty HK$8,855,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$372,805
−HK$23,378/mo
▼ 0.25% · 3.875%
HK$384,401
−HK$11,782/mo
Today · 4.125%
HK$396,183
baseline
▲ 0.50% · 4.625%
HK$420,290
+HK$24,107/mo
Deposit HK$54.50M · loan HK$81.75M · min. income ≈ HK$792,366/mo (50% DSR)
Upfront cash ≈ HK$63.35M (deposit + AVD stamp duty HK$8,855,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$414,742
−HK$22,407/mo
▼ 0.25% · 3.875%
HK$425,865
−HK$11,284/mo
Today · 4.125%
HK$437,149
baseline
▲ 0.50% · 4.625%
HK$460,192
+HK$23,043/mo
Deposit HK$54.50M · loan HK$81.75M · min. income ≈ HK$874,298/mo (50% DSR)
Upfront cash ≈ HK$63.35M (deposit + AVD stamp duty HK$8,855,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$434,939
−HK$27,275/mo
▼ 0.25% · 3.875%
HK$448,468
−HK$13,746/mo
Today · 4.125%
HK$462,214
baseline
▲ 0.50% · 4.625%
HK$490,338
+HK$28,124/mo
Deposit HK$40.87M · loan HK$95.37M · min. income ≈ HK$924,428/mo (50% DSR)
Upfront cash ≈ HK$49.73M (deposit + AVD stamp duty HK$8,855,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$483,865
−HK$26,142/mo
▼ 0.25% · 3.875%
HK$496,842
−HK$13,165/mo
Today · 4.125%
HK$510,007
baseline
▲ 0.50% · 4.625%
HK$536,890
+HK$26,883/mo
Deposit HK$40.87M · loan HK$95.37M · min. income ≈ HK$1,020,014/mo (50% DSR)
Upfront cash ≈ HK$49.73M (deposit + AVD stamp duty HK$8,855,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$559,207
−HK$35,068/mo
▼ 0.25% · 3.875%
HK$576,602
−HK$17,673/mo
Today · 4.125%
HK$594,275
baseline
▲ 0.50% · 4.625%
HK$630,435
+HK$36,160/mo
Deposit HK$13.62M · loan HK$122.62M · min. income ≈ HK$1,188,550/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$8,855,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$622,113
−HK$33,610/mo
▼ 0.25% · 3.875%
HK$638,797
−HK$16,926/mo
Today · 4.125%
HK$655,723
baseline
▲ 0.50% · 4.625%
HK$690,287
+HK$34,564/mo
Deposit HK$13.62M · loan HK$122.62M · min. income ≈ HK$1,311,446/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$8,855,845 · Scale 2, in force from 26 Feb 2026)