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$335,549
−HK$21,042/mo
▼ 0.25% · 3.875%
HK$345,987
−HK$10,604/mo
Today · 4.125%
HK$356,591
baseline
▲ 0.50% · 4.625%
HK$378,289
+HK$21,698/mo
Deposit HK$73.58M · loan HK$73.58M · min. income ≈ HK$713,182/mo (50% DSR)
Upfront cash ≈ HK$83.14M (deposit + AVD stamp duty HK$9,565,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$373,295
−HK$20,168/mo
▼ 0.25% · 3.875%
HK$383,307
−HK$10,156/mo
Today · 4.125%
HK$393,463
baseline
▲ 0.50% · 4.625%
HK$414,203
+HK$20,740/mo
Deposit HK$73.58M · loan HK$73.58M · min. income ≈ HK$786,926/mo (50% DSR)
Upfront cash ≈ HK$83.14M (deposit + AVD stamp duty HK$9,565,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$402,659
−HK$25,251/mo
▼ 0.25% · 3.875%
HK$415,184
−HK$12,726/mo
Today · 4.125%
HK$427,910
baseline
▲ 0.50% · 4.625%
HK$453,947
+HK$26,037/mo
Deposit HK$58.86M · loan HK$88.29M · min. income ≈ HK$855,820/mo (50% DSR)
Upfront cash ≈ HK$68.43M (deposit + AVD stamp duty HK$9,565,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$447,954
−HK$24,202/mo
▼ 0.25% · 3.875%
HK$459,968
−HK$12,188/mo
Today · 4.125%
HK$472,156
baseline
▲ 0.50% · 4.625%
HK$497,044
+HK$24,888/mo
Deposit HK$58.86M · loan HK$88.29M · min. income ≈ HK$944,312/mo (50% DSR)
Upfront cash ≈ HK$68.43M (deposit + AVD stamp duty HK$9,565,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$469,769
−HK$29,459/mo
▼ 0.25% · 3.875%
HK$484,382
−HK$14,846/mo
Today · 4.125%
HK$499,228
baseline
▲ 0.50% · 4.625%
HK$529,605
+HK$30,377/mo
Deposit HK$44.15M · loan HK$103.01M · min. income ≈ HK$998,456/mo (50% DSR)
Upfront cash ≈ HK$53.71M (deposit + AVD stamp duty HK$9,565,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$522,614
−HK$28,235/mo
▼ 0.25% · 3.875%
HK$536,630
−HK$14,219/mo
Today · 4.125%
HK$550,849
baseline
▲ 0.50% · 4.625%
HK$579,885
+HK$29,036/mo
Deposit HK$44.15M · loan HK$103.01M · min. income ≈ HK$1,101,698/mo (50% DSR)
Upfront cash ≈ HK$53.71M (deposit + AVD stamp duty HK$9,565,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$603,989
−HK$37,875/mo
▼ 0.25% · 3.875%
HK$622,777
−HK$19,087/mo
Today · 4.125%
HK$641,864
baseline
▲ 0.50% · 4.625%
HK$680,920
+HK$39,056/mo
Deposit HK$14.72M · loan HK$132.44M · min. income ≈ HK$1,283,728/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$9,565,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$671,932
−HK$36,302/mo
▼ 0.25% · 3.875%
HK$689,953
−HK$18,281/mo
Today · 4.125%
HK$708,234
baseline
▲ 0.50% · 4.625%
HK$745,566
+HK$37,332/mo
Deposit HK$14.72M · loan HK$132.44M · min. income ≈ HK$1,416,468/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$9,565,028 · Scale 2, in force from 26 Feb 2026)