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$249,425
−HK$15,642/mo
▼ 0.25% · 3.875%
HK$257,184
−HK$7,883/mo
Today · 4.125%
HK$265,067
baseline
▲ 0.50% · 4.625%
HK$281,195
+HK$16,128/mo
Deposit HK$54.69M · loan HK$54.69M · min. income ≈ HK$530,134/mo (50% DSR)
Upfront cash ≈ HK$61.76M (deposit + AVD stamp duty HK$7,065,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,483
−HK$14,992/mo
▼ 0.25% · 3.875%
HK$284,925
−HK$7,550/mo
Today · 4.125%
HK$292,475
baseline
▲ 0.50% · 4.625%
HK$307,892
+HK$15,417/mo
Deposit HK$54.69M · loan HK$54.69M · min. income ≈ HK$584,950/mo (50% DSR)
Upfront cash ≈ HK$61.76M (deposit + AVD stamp duty HK$7,065,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,311
−HK$18,769/mo
▼ 0.25% · 3.875%
HK$308,621
−HK$9,459/mo
Today · 4.125%
HK$318,080
baseline
▲ 0.50% · 4.625%
HK$337,434
+HK$19,354/mo
Deposit HK$43.75M · loan HK$65.63M · min. income ≈ HK$636,160/mo (50% DSR)
Upfront cash ≈ HK$50.82M (deposit + AVD stamp duty HK$7,065,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$332,980
−HK$17,990/mo
▼ 0.25% · 3.875%
HK$341,910
−HK$9,060/mo
Today · 4.125%
HK$350,970
baseline
▲ 0.50% · 4.625%
HK$369,470
+HK$18,500/mo
Deposit HK$43.75M · loan HK$65.63M · min. income ≈ HK$701,940/mo (50% DSR)
Upfront cash ≈ HK$50.82M (deposit + AVD stamp duty HK$7,065,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$349,196
−HK$21,897/mo
▼ 0.25% · 3.875%
HK$360,058
−HK$11,035/mo
Today · 4.125%
HK$371,093
baseline
▲ 0.50% · 4.625%
HK$393,673
+HK$22,580/mo
Deposit HK$32.82M · loan HK$76.57M · min. income ≈ HK$742,186/mo (50% DSR)
Upfront cash ≈ HK$39.88M (deposit + AVD stamp duty HK$7,065,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$388,477
−HK$20,988/mo
▼ 0.25% · 3.875%
HK$398,895
−HK$10,570/mo
Today · 4.125%
HK$409,465
baseline
▲ 0.50% · 4.625%
HK$431,048
+HK$21,583/mo
Deposit HK$32.82M · loan HK$76.57M · min. income ≈ HK$818,930/mo (50% DSR)
Upfront cash ≈ HK$39.88M (deposit + AVD stamp duty HK$7,065,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$448,966
−HK$28,154/mo
▼ 0.25% · 3.875%
HK$462,931
−HK$14,189/mo
Today · 4.125%
HK$477,120
baseline
▲ 0.50% · 4.625%
HK$506,152
+HK$29,032/mo
Deposit HK$10.94M · loan HK$98.45M · min. income ≈ HK$954,240/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$7,065,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$499,470
−HK$26,985/mo
▼ 0.25% · 3.875%
HK$512,865
−HK$13,590/mo
Today · 4.125%
HK$526,455
baseline
▲ 0.50% · 4.625%
HK$554,205
+HK$27,750/mo
Deposit HK$10.94M · loan HK$98.45M · min. income ≈ HK$1,052,910/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$7,065,445 · Scale 2, in force from 26 Feb 2026)