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$261,541
−HK$16,401/mo
▼ 0.25% · 3.875%
HK$269,677
−HK$8,265/mo
Today · 4.125%
HK$277,942
baseline
▲ 0.50% · 4.625%
HK$294,854
+HK$16,912/mo
Deposit HK$57.35M · loan HK$57.35M · min. income ≈ HK$555,884/mo (50% DSR)
Upfront cash ≈ HK$64.80M (deposit + AVD stamp duty HK$7,455,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,962
−HK$15,720/mo
▼ 0.25% · 3.875%
HK$298,766
−HK$7,916/mo
Today · 4.125%
HK$306,682
baseline
▲ 0.50% · 4.625%
HK$322,848
+HK$16,166/mo
Deposit HK$57.35M · loan HK$57.35M · min. income ≈ HK$613,364/mo (50% DSR)
Upfront cash ≈ HK$64.80M (deposit + AVD stamp duty HK$7,455,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,850
−HK$19,681/mo
▼ 0.25% · 3.875%
HK$323,612
−HK$9,919/mo
Today · 4.125%
HK$333,531
baseline
▲ 0.50% · 4.625%
HK$353,825
+HK$20,294/mo
Deposit HK$45.88M · loan HK$68.82M · min. income ≈ HK$667,062/mo (50% DSR)
Upfront cash ≈ HK$53.33M (deposit + AVD stamp duty HK$7,455,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$349,155
−HK$18,863/mo
▼ 0.25% · 3.875%
HK$358,519
−HK$9,499/mo
Today · 4.125%
HK$368,018
baseline
▲ 0.50% · 4.625%
HK$387,417
+HK$19,399/mo
Deposit HK$45.88M · loan HK$68.82M · min. income ≈ HK$736,036/mo (50% DSR)
Upfront cash ≈ HK$53.33M (deposit + AVD stamp duty HK$7,455,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$366,158
−HK$22,961/mo
▼ 0.25% · 3.875%
HK$377,548
−HK$11,571/mo
Today · 4.125%
HK$389,119
baseline
▲ 0.50% · 4.625%
HK$412,796
+HK$23,677/mo
Deposit HK$34.41M · loan HK$80.29M · min. income ≈ HK$778,238/mo (50% DSR)
Upfront cash ≈ HK$41.86M (deposit + AVD stamp duty HK$7,455,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$407,347
−HK$22,008/mo
▼ 0.25% · 3.875%
HK$418,272
−HK$11,083/mo
Today · 4.125%
HK$429,355
baseline
▲ 0.50% · 4.625%
HK$451,987
+HK$22,632/mo
Deposit HK$34.41M · loan HK$80.29M · min. income ≈ HK$858,710/mo (50% DSR)
Upfront cash ≈ HK$41.86M (deposit + AVD stamp duty HK$7,455,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$470,774
−HK$29,522/mo
▼ 0.25% · 3.875%
HK$485,418
−HK$14,878/mo
Today · 4.125%
HK$500,296
baseline
▲ 0.50% · 4.625%
HK$530,738
+HK$30,442/mo
Deposit HK$11.47M · loan HK$103.23M · min. income ≈ HK$1,000,592/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$7,455,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$523,732
−HK$28,296/mo
▼ 0.25% · 3.875%
HK$537,778
−HK$14,250/mo
Today · 4.125%
HK$552,028
baseline
▲ 0.50% · 4.625%
HK$581,126
+HK$29,098/mo
Deposit HK$11.47M · loan HK$103.23M · min. income ≈ HK$1,104,056/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$7,455,386 · Scale 2, in force from 26 Feb 2026)