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$294,911
−HK$18,494/mo
▼ 0.25% · 3.875%
HK$304,085
−HK$9,320/mo
Today · 4.125%
HK$313,405
baseline
▲ 0.50% · 4.625%
HK$332,475
+HK$19,070/mo
Deposit HK$64.67M · loan HK$64.67M · min. income ≈ HK$626,810/mo (50% DSR)
Upfront cash ≈ HK$73.07M (deposit + AVD stamp duty HK$8,406,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,086
−HK$17,726/mo
▼ 0.25% · 3.875%
HK$336,885
−HK$8,927/mo
Today · 4.125%
HK$345,812
baseline
▲ 0.50% · 4.625%
HK$364,040
+HK$18,228/mo
Deposit HK$64.67M · loan HK$64.67M · min. income ≈ HK$691,624/mo (50% DSR)
Upfront cash ≈ HK$73.07M (deposit + AVD stamp duty HK$8,406,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$353,894
−HK$22,192/mo
▼ 0.25% · 3.875%
HK$364,902
−HK$11,184/mo
Today · 4.125%
HK$376,086
baseline
▲ 0.50% · 4.625%
HK$398,970
+HK$22,884/mo
Deposit HK$51.73M · loan HK$77.60M · min. income ≈ HK$752,172/mo (50% DSR)
Upfront cash ≈ HK$60.14M (deposit + AVD stamp duty HK$8,406,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$393,703
−HK$21,271/mo
▼ 0.25% · 3.875%
HK$404,262
−HK$10,712/mo
Today · 4.125%
HK$414,974
baseline
▲ 0.50% · 4.625%
HK$436,848
+HK$21,874/mo
Deposit HK$51.73M · loan HK$77.60M · min. income ≈ HK$829,948/mo (50% DSR)
Upfront cash ≈ HK$60.14M (deposit + AVD stamp duty HK$8,406,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$412,876
−HK$25,891/mo
▼ 0.25% · 3.875%
HK$425,719
−HK$13,048/mo
Today · 4.125%
HK$438,767
baseline
▲ 0.50% · 4.625%
HK$465,465
+HK$26,698/mo
Deposit HK$38.80M · loan HK$90.53M · min. income ≈ HK$877,534/mo (50% DSR)
Upfront cash ≈ HK$47.21M (deposit + AVD stamp duty HK$8,406,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$459,320
−HK$24,816/mo
▼ 0.25% · 3.875%
HK$471,639
−HK$12,497/mo
Today · 4.125%
HK$484,136
baseline
▲ 0.50% · 4.625%
HK$509,656
+HK$25,520/mo
Deposit HK$38.80M · loan HK$90.53M · min. income ≈ HK$968,272/mo (50% DSR)
Upfront cash ≈ HK$47.21M (deposit + AVD stamp duty HK$8,406,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$530,841
−HK$33,288/mo
▼ 0.25% · 3.875%
HK$547,353
−HK$16,776/mo
Today · 4.125%
HK$564,129
baseline
▲ 0.50% · 4.625%
HK$598,455
+HK$34,326/mo
Deposit HK$12.93M · loan HK$116.40M · min. income ≈ HK$1,128,258/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$8,406,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$590,555
−HK$31,906/mo
▼ 0.25% · 3.875%
HK$606,393
−HK$16,068/mo
Today · 4.125%
HK$622,461
baseline
▲ 0.50% · 4.625%
HK$655,272
+HK$32,811/mo
Deposit HK$12.93M · loan HK$116.40M · min. income ≈ HK$1,244,922/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$8,406,619 · Scale 2, in force from 26 Feb 2026)