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$296,736
−HK$18,608/mo
▼ 0.25% · 3.875%
HK$305,966
−HK$9,378/mo
Today · 4.125%
HK$315,344
baseline
▲ 0.50% · 4.625%
HK$334,532
+HK$19,188/mo
Deposit HK$65.07M · loan HK$65.07M · min. income ≈ HK$630,688/mo (50% DSR)
Upfront cash ≈ HK$73.53M (deposit + AVD stamp duty HK$8,458,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$330,116
−HK$17,835/mo
▼ 0.25% · 3.875%
HK$338,970
−HK$8,981/mo
Today · 4.125%
HK$347,951
baseline
▲ 0.50% · 4.625%
HK$366,292
+HK$18,341/mo
Deposit HK$65.07M · loan HK$65.07M · min. income ≈ HK$695,902/mo (50% DSR)
Upfront cash ≈ HK$73.53M (deposit + AVD stamp duty HK$8,458,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$356,084
−HK$22,329/mo
▼ 0.25% · 3.875%
HK$367,160
−HK$11,253/mo
Today · 4.125%
HK$378,413
baseline
▲ 0.50% · 4.625%
HK$401,439
+HK$23,026/mo
Deposit HK$52.05M · loan HK$78.08M · min. income ≈ HK$756,826/mo (50% DSR)
Upfront cash ≈ HK$60.51M (deposit + AVD stamp duty HK$8,458,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$396,139
−HK$21,403/mo
▼ 0.25% · 3.875%
HK$406,764
−HK$10,778/mo
Today · 4.125%
HK$417,542
baseline
▲ 0.50% · 4.625%
HK$439,551
+HK$22,009/mo
Deposit HK$52.05M · loan HK$78.08M · min. income ≈ HK$835,084/mo (50% DSR)
Upfront cash ≈ HK$60.51M (deposit + AVD stamp duty HK$8,458,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$415,431
−HK$26,051/mo
▼ 0.25% · 3.875%
HK$428,353
−HK$13,129/mo
Today · 4.125%
HK$441,482
baseline
▲ 0.50% · 4.625%
HK$468,345
+HK$26,863/mo
Deposit HK$39.04M · loan HK$91.09M · min. income ≈ HK$882,964/mo (50% DSR)
Upfront cash ≈ HK$47.50M (deposit + AVD stamp duty HK$8,458,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$462,163
−HK$24,969/mo
▼ 0.25% · 3.875%
HK$474,558
−HK$12,574/mo
Today · 4.125%
HK$487,132
baseline
▲ 0.50% · 4.625%
HK$512,809
+HK$25,677/mo
Deposit HK$39.04M · loan HK$91.09M · min. income ≈ HK$974,264/mo (50% DSR)
Upfront cash ≈ HK$47.50M (deposit + AVD stamp duty HK$8,458,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$534,125
−HK$33,495/mo
▼ 0.25% · 3.875%
HK$550,740
−HK$16,880/mo
Today · 4.125%
HK$567,620
baseline
▲ 0.50% · 4.625%
HK$602,158
+HK$34,538/mo
Deposit HK$13.01M · loan HK$117.12M · min. income ≈ HK$1,135,240/mo (50% DSR)
Upfront cash ≈ HK$21.47M (deposit + AVD stamp duty HK$8,458,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$594,209
−HK$32,103/mo
▼ 0.25% · 3.875%
HK$610,145
−HK$16,167/mo
Today · 4.125%
HK$626,312
baseline
▲ 0.50% · 4.625%
HK$659,326
+HK$33,014/mo
Deposit HK$13.01M · loan HK$117.12M · min. income ≈ HK$1,252,624/mo (50% DSR)
Upfront cash ≈ HK$21.47M (deposit + AVD stamp duty HK$8,458,636 · Scale 2, in force from 26 Feb 2026)