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$258,171
−HK$16,189/mo
▼ 0.25% · 3.875%
HK$266,201
−HK$8,159/mo
Today · 4.125%
HK$274,360
baseline
▲ 0.50% · 4.625%
HK$291,054
+HK$16,694/mo
Deposit HK$56.61M · loan HK$56.61M · min. income ≈ HK$548,720/mo (50% DSR)
Upfront cash ≈ HK$63.97M (deposit + AVD stamp duty HK$7,359,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,212
−HK$15,517/mo
▼ 0.25% · 3.875%
HK$294,915
−HK$7,814/mo
Today · 4.125%
HK$302,729
baseline
▲ 0.50% · 4.625%
HK$318,687
+HK$15,958/mo
Deposit HK$56.61M · loan HK$56.61M · min. income ≈ HK$605,458/mo (50% DSR)
Upfront cash ≈ HK$63.97M (deposit + AVD stamp duty HK$7,359,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,805
−HK$19,427/mo
▼ 0.25% · 3.875%
HK$319,441
−HK$9,791/mo
Today · 4.125%
HK$329,232
baseline
▲ 0.50% · 4.625%
HK$349,265
+HK$20,033/mo
Deposit HK$45.29M · loan HK$67.93M · min. income ≈ HK$658,464/mo (50% DSR)
Upfront cash ≈ HK$52.65M (deposit + AVD stamp duty HK$7,359,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$344,655
−HK$18,620/mo
▼ 0.25% · 3.875%
HK$353,898
−HK$9,377/mo
Today · 4.125%
HK$363,275
baseline
▲ 0.50% · 4.625%
HK$382,424
+HK$19,149/mo
Deposit HK$45.29M · loan HK$67.93M · min. income ≈ HK$726,550/mo (50% DSR)
Upfront cash ≈ HK$52.65M (deposit + AVD stamp duty HK$7,359,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$361,439
−HK$22,665/mo
▼ 0.25% · 3.875%
HK$372,682
−HK$11,422/mo
Today · 4.125%
HK$384,104
baseline
▲ 0.50% · 4.625%
HK$407,476
+HK$23,372/mo
Deposit HK$33.97M · loan HK$79.25M · min. income ≈ HK$768,208/mo (50% DSR)
Upfront cash ≈ HK$41.33M (deposit + AVD stamp duty HK$7,359,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$402,097
−HK$21,724/mo
▼ 0.25% · 3.875%
HK$412,881
−HK$10,940/mo
Today · 4.125%
HK$423,821
baseline
▲ 0.50% · 4.625%
HK$446,161
+HK$22,340/mo
Deposit HK$33.97M · loan HK$79.25M · min. income ≈ HK$847,642/mo (50% DSR)
Upfront cash ≈ HK$41.33M (deposit + AVD stamp duty HK$7,359,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$464,707
−HK$29,141/mo
▼ 0.25% · 3.875%
HK$479,162
−HK$14,686/mo
Today · 4.125%
HK$493,848
baseline
▲ 0.50% · 4.625%
HK$523,898
+HK$30,050/mo
Deposit HK$11.32M · loan HK$101.90M · min. income ≈ HK$987,696/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$7,359,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$516,982
−HK$27,931/mo
▼ 0.25% · 3.875%
HK$530,847
−HK$14,066/mo
Today · 4.125%
HK$544,913
baseline
▲ 0.50% · 4.625%
HK$573,636
+HK$28,723/mo
Deposit HK$11.32M · loan HK$101.90M · min. income ≈ HK$1,089,826/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$7,359,298 · Scale 2, in force from 26 Feb 2026)