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$294,963
−HK$18,497/mo
▼ 0.25% · 3.875%
HK$304,138
−HK$9,322/mo
Today · 4.125%
HK$313,460
baseline
▲ 0.50% · 4.625%
HK$332,533
+HK$19,073/mo
Deposit HK$64.68M · loan HK$64.68M · min. income ≈ HK$626,920/mo (50% DSR)
Upfront cash ≈ HK$73.09M (deposit + AVD stamp duty HK$8,408,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,143
−HK$17,729/mo
▼ 0.25% · 3.875%
HK$336,944
−HK$8,928/mo
Today · 4.125%
HK$345,872
baseline
▲ 0.50% · 4.625%
HK$364,103
+HK$18,231/mo
Deposit HK$64.68M · loan HK$64.68M · min. income ≈ HK$691,744/mo (50% DSR)
Upfront cash ≈ HK$73.09M (deposit + AVD stamp duty HK$8,408,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$353,956
−HK$22,196/mo
▼ 0.25% · 3.875%
HK$364,966
−HK$11,186/mo
Today · 4.125%
HK$376,152
baseline
▲ 0.50% · 4.625%
HK$399,040
+HK$22,888/mo
Deposit HK$51.74M · loan HK$77.61M · min. income ≈ HK$752,304/mo (50% DSR)
Upfront cash ≈ HK$60.15M (deposit + AVD stamp duty HK$8,408,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$393,772
−HK$21,274/mo
▼ 0.25% · 3.875%
HK$404,333
−HK$10,713/mo
Today · 4.125%
HK$415,046
baseline
▲ 0.50% · 4.625%
HK$436,924
+HK$21,878/mo
Deposit HK$51.74M · loan HK$77.61M · min. income ≈ HK$830,092/mo (50% DSR)
Upfront cash ≈ HK$60.15M (deposit + AVD stamp duty HK$8,408,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$412,948
−HK$25,896/mo
▼ 0.25% · 3.875%
HK$425,793
−HK$13,051/mo
Today · 4.125%
HK$438,844
baseline
▲ 0.50% · 4.625%
HK$465,546
+HK$26,702/mo
Deposit HK$38.81M · loan HK$90.55M · min. income ≈ HK$877,688/mo (50% DSR)
Upfront cash ≈ HK$47.21M (deposit + AVD stamp duty HK$8,408,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$459,401
−HK$24,820/mo
▼ 0.25% · 3.875%
HK$471,721
−HK$12,500/mo
Today · 4.125%
HK$484,221
baseline
▲ 0.50% · 4.625%
HK$509,745
+HK$25,524/mo
Deposit HK$38.81M · loan HK$90.55M · min. income ≈ HK$968,442/mo (50% DSR)
Upfront cash ≈ HK$47.21M (deposit + AVD stamp duty HK$8,408,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$530,933
−HK$33,294/mo
▼ 0.25% · 3.875%
HK$547,448
−HK$16,779/mo
Today · 4.125%
HK$564,227
baseline
▲ 0.50% · 4.625%
HK$598,559
+HK$34,332/mo
Deposit HK$12.94M · loan HK$116.42M · min. income ≈ HK$1,128,454/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$8,408,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$590,658
−HK$31,911/mo
▼ 0.25% · 3.875%
HK$606,499
−HK$16,070/mo
Today · 4.125%
HK$622,569
baseline
▲ 0.50% · 4.625%
HK$655,386
+HK$32,817/mo
Deposit HK$12.94M · loan HK$116.42M · min. income ≈ HK$1,245,138/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$8,408,085 · Scale 2, in force from 26 Feb 2026)