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$297,805
−HK$18,675/mo
▼ 0.25% · 3.875%
HK$307,068
−HK$9,412/mo
Today · 4.125%
HK$316,480
baseline
▲ 0.50% · 4.625%
HK$335,737
+HK$19,257/mo
Deposit HK$65.30M · loan HK$65.30M · min. income ≈ HK$632,960/mo (50% DSR)
Upfront cash ≈ HK$73.79M (deposit + AVD stamp duty HK$8,489,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$331,305
−HK$17,899/mo
▼ 0.25% · 3.875%
HK$340,190
−HK$9,014/mo
Today · 4.125%
HK$349,204
baseline
▲ 0.50% · 4.625%
HK$367,611
+HK$18,407/mo
Deposit HK$65.30M · loan HK$65.30M · min. income ≈ HK$698,408/mo (50% DSR)
Upfront cash ≈ HK$73.79M (deposit + AVD stamp duty HK$8,489,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$357,366
−HK$22,410/mo
▼ 0.25% · 3.875%
HK$368,482
−HK$11,294/mo
Today · 4.125%
HK$379,776
baseline
▲ 0.50% · 4.625%
HK$402,884
+HK$23,108/mo
Deposit HK$52.24M · loan HK$78.36M · min. income ≈ HK$759,552/mo (50% DSR)
Upfront cash ≈ HK$60.73M (deposit + AVD stamp duty HK$8,489,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$397,566
−HK$21,479/mo
▼ 0.25% · 3.875%
HK$408,228
−HK$10,817/mo
Today · 4.125%
HK$419,045
baseline
▲ 0.50% · 4.625%
HK$441,133
+HK$22,088/mo
Deposit HK$52.24M · loan HK$78.36M · min. income ≈ HK$838,090/mo (50% DSR)
Upfront cash ≈ HK$60.73M (deposit + AVD stamp duty HK$8,489,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$416,927
−HK$26,144/mo
▼ 0.25% · 3.875%
HK$429,895
−HK$13,176/mo
Today · 4.125%
HK$443,071
baseline
▲ 0.50% · 4.625%
HK$470,031
+HK$26,960/mo
Deposit HK$39.18M · loan HK$91.42M · min. income ≈ HK$886,142/mo (50% DSR)
Upfront cash ≈ HK$47.67M (deposit + AVD stamp duty HK$8,489,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$463,827
−HK$25,059/mo
▼ 0.25% · 3.875%
HK$476,266
−HK$12,620/mo
Today · 4.125%
HK$488,886
baseline
▲ 0.50% · 4.625%
HK$514,655
+HK$25,769/mo
Deposit HK$39.18M · loan HK$91.42M · min. income ≈ HK$977,772/mo (50% DSR)
Upfront cash ≈ HK$47.67M (deposit + AVD stamp duty HK$8,489,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$536,048
−HK$33,615/mo
▼ 0.25% · 3.875%
HK$552,723
−HK$16,940/mo
Today · 4.125%
HK$569,663
baseline
▲ 0.50% · 4.625%
HK$604,326
+HK$34,663/mo
Deposit HK$13.06M · loan HK$117.54M · min. income ≈ HK$1,139,326/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$8,489,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$596,348
−HK$32,219/mo
▼ 0.25% · 3.875%
HK$612,342
−HK$16,225/mo
Today · 4.125%
HK$628,567
baseline
▲ 0.50% · 4.625%
HK$661,700
+HK$33,133/mo
Deposit HK$13.06M · loan HK$117.54M · min. income ≈ HK$1,257,134/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$8,489,090 · Scale 2, in force from 26 Feb 2026)