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$249,901
−HK$15,671/mo
▼ 0.25% · 3.875%
HK$257,674
−HK$7,898/mo
Today · 4.125%
HK$265,572
baseline
▲ 0.50% · 4.625%
HK$281,731
+HK$16,159/mo
Deposit HK$54.80M · loan HK$54.80M · min. income ≈ HK$531,144/mo (50% DSR)
Upfront cash ≈ HK$61.92M (deposit + AVD stamp duty HK$7,123,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,012
−HK$15,020/mo
▼ 0.25% · 3.875%
HK$285,468
−HK$7,564/mo
Today · 4.125%
HK$293,032
baseline
▲ 0.50% · 4.625%
HK$308,478
+HK$15,446/mo
Deposit HK$54.80M · loan HK$54.80M · min. income ≈ HK$586,064/mo (50% DSR)
Upfront cash ≈ HK$61.92M (deposit + AVD stamp duty HK$7,123,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,881
−HK$18,805/mo
▼ 0.25% · 3.875%
HK$309,209
−HK$9,477/mo
Today · 4.125%
HK$318,686
baseline
▲ 0.50% · 4.625%
HK$338,077
+HK$19,391/mo
Deposit HK$43.84M · loan HK$65.76M · min. income ≈ HK$637,372/mo (50% DSR)
Upfront cash ≈ HK$50.96M (deposit + AVD stamp duty HK$7,123,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$333,614
−HK$18,025/mo
▼ 0.25% · 3.875%
HK$342,562
−HK$9,077/mo
Today · 4.125%
HK$351,639
baseline
▲ 0.50% · 4.625%
HK$370,174
+HK$18,535/mo
Deposit HK$43.84M · loan HK$65.76M · min. income ≈ HK$703,278/mo (50% DSR)
Upfront cash ≈ HK$50.96M (deposit + AVD stamp duty HK$7,123,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$349,861
−HK$21,939/mo
▼ 0.25% · 3.875%
HK$360,744
−HK$11,056/mo
Today · 4.125%
HK$371,800
baseline
▲ 0.50% · 4.625%
HK$394,423
+HK$22,623/mo
Deposit HK$32.88M · loan HK$76.72M · min. income ≈ HK$743,600/mo (50% DSR)
Upfront cash ≈ HK$40.00M (deposit + AVD stamp duty HK$7,123,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$389,217
−HK$21,028/mo
▼ 0.25% · 3.875%
HK$399,655
−HK$10,590/mo
Today · 4.125%
HK$410,245
baseline
▲ 0.50% · 4.625%
HK$431,870
+HK$21,625/mo
Deposit HK$32.88M · loan HK$76.72M · min. income ≈ HK$820,490/mo (50% DSR)
Upfront cash ≈ HK$40.00M (deposit + AVD stamp duty HK$7,123,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$449,821
−HK$28,208/mo
▼ 0.25% · 3.875%
HK$463,813
−HK$14,216/mo
Today · 4.125%
HK$478,029
baseline
▲ 0.50% · 4.625%
HK$507,116
+HK$29,087/mo
Deposit HK$10.96M · loan HK$98.63M · min. income ≈ HK$956,058/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$7,123,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$500,422
−HK$27,036/mo
▼ 0.25% · 3.875%
HK$513,843
−HK$13,615/mo
Today · 4.125%
HK$527,458
baseline
▲ 0.50% · 4.625%
HK$555,261
+HK$27,803/mo
Deposit HK$10.96M · loan HK$98.63M · min. income ≈ HK$1,054,916/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$7,123,560 · Scale 2, in force from 26 Feb 2026)