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$246,667
−HK$15,468/mo
▼ 0.25% · 3.875%
HK$254,340
−HK$7,795/mo
Today · 4.125%
HK$262,135
baseline
▲ 0.50% · 4.625%
HK$278,085
+HK$15,950/mo
Deposit HK$54.09M · loan HK$54.09M · min. income ≈ HK$524,270/mo (50% DSR)
Upfront cash ≈ HK$60.79M (deposit + AVD stamp duty HK$6,702,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,414
−HK$14,826/mo
▼ 0.25% · 3.875%
HK$281,774
−HK$7,466/mo
Today · 4.125%
HK$289,240
baseline
▲ 0.50% · 4.625%
HK$304,486
+HK$15,246/mo
Deposit HK$54.09M · loan HK$54.09M · min. income ≈ HK$578,480/mo (50% DSR)
Upfront cash ≈ HK$60.79M (deposit + AVD stamp duty HK$6,702,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,000
−HK$18,562/mo
▼ 0.25% · 3.875%
HK$305,208
−HK$9,354/mo
Today · 4.125%
HK$314,562
baseline
▲ 0.50% · 4.625%
HK$333,702
+HK$19,140/mo
Deposit HK$43.27M · loan HK$64.91M · min. income ≈ HK$629,124/mo (50% DSR)
Upfront cash ≈ HK$49.97M (deposit + AVD stamp duty HK$6,702,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$329,297
−HK$17,791/mo
▼ 0.25% · 3.875%
HK$338,129
−HK$8,959/mo
Today · 4.125%
HK$347,088
baseline
▲ 0.50% · 4.625%
HK$365,384
+HK$18,296/mo
Deposit HK$43.27M · loan HK$64.91M · min. income ≈ HK$694,176/mo (50% DSR)
Upfront cash ≈ HK$49.97M (deposit + AVD stamp duty HK$6,702,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$345,334
−HK$21,655/mo
▼ 0.25% · 3.875%
HK$356,075
−HK$10,914/mo
Today · 4.125%
HK$366,989
baseline
▲ 0.50% · 4.625%
HK$389,320
+HK$22,331/mo
Deposit HK$32.45M · loan HK$75.72M · min. income ≈ HK$733,978/mo (50% DSR)
Upfront cash ≈ HK$39.16M (deposit + AVD stamp duty HK$6,702,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$384,180
−HK$20,756/mo
▼ 0.25% · 3.875%
HK$394,484
−HK$10,452/mo
Today · 4.125%
HK$404,936
baseline
▲ 0.50% · 4.625%
HK$426,281
+HK$21,345/mo
Deposit HK$32.45M · loan HK$75.72M · min. income ≈ HK$809,872/mo (50% DSR)
Upfront cash ≈ HK$39.16M (deposit + AVD stamp duty HK$6,702,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$444,000
−HK$27,843/mo
▼ 0.25% · 3.875%
HK$457,811
−HK$14,032/mo
Today · 4.125%
HK$471,843
baseline
▲ 0.50% · 4.625%
HK$500,554
+HK$28,711/mo
Deposit HK$10.82M · loan HK$97.36M · min. income ≈ HK$943,686/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$6,702,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$493,946
−HK$26,686/mo
▼ 0.25% · 3.875%
HK$507,193
−HK$13,439/mo
Today · 4.125%
HK$520,632
baseline
▲ 0.50% · 4.625%
HK$548,076
+HK$27,444/mo
Deposit HK$10.82M · loan HK$97.36M · min. income ≈ HK$1,041,264/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$6,702,520 · Scale 2, in force from 26 Feb 2026)