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$265,697
−HK$16,662/mo
▼ 0.25% · 3.875%
HK$273,962
−HK$8,397/mo
Today · 4.125%
HK$282,359
baseline
▲ 0.50% · 4.625%
HK$299,540
+HK$17,181/mo
Deposit HK$58.26M · loan HK$58.26M · min. income ≈ HK$564,718/mo (50% DSR)
Upfront cash ≈ HK$65.83M (deposit + AVD stamp duty HK$7,573,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,586
−HK$15,969/mo
▼ 0.25% · 3.875%
HK$303,513
−HK$8,042/mo
Today · 4.125%
HK$311,555
baseline
▲ 0.50% · 4.625%
HK$327,978
+HK$16,423/mo
Deposit HK$58.26M · loan HK$58.26M · min. income ≈ HK$623,110/mo (50% DSR)
Upfront cash ≈ HK$65.83M (deposit + AVD stamp duty HK$7,573,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,837
−HK$19,994/mo
▼ 0.25% · 3.875%
HK$328,754
−HK$10,077/mo
Today · 4.125%
HK$338,831
baseline
▲ 0.50% · 4.625%
HK$359,448
+HK$20,617/mo
Deposit HK$46.61M · loan HK$69.91M · min. income ≈ HK$677,662/mo (50% DSR)
Upfront cash ≈ HK$54.18M (deposit + AVD stamp duty HK$7,573,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$354,703
−HK$19,163/mo
▼ 0.25% · 3.875%
HK$364,216
−HK$9,650/mo
Today · 4.125%
HK$373,866
baseline
▲ 0.50% · 4.625%
HK$393,573
+HK$19,707/mo
Deposit HK$46.61M · loan HK$69.91M · min. income ≈ HK$747,732/mo (50% DSR)
Upfront cash ≈ HK$54.18M (deposit + AVD stamp duty HK$7,573,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$371,976
−HK$23,326/mo
▼ 0.25% · 3.875%
HK$383,547
−HK$11,755/mo
Today · 4.125%
HK$395,302
baseline
▲ 0.50% · 4.625%
HK$419,356
+HK$24,054/mo
Deposit HK$34.96M · loan HK$81.56M · min. income ≈ HK$790,604/mo (50% DSR)
Upfront cash ≈ HK$42.53M (deposit + AVD stamp duty HK$7,573,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$413,820
−HK$22,357/mo
▼ 0.25% · 3.875%
HK$424,918
−HK$11,259/mo
Today · 4.125%
HK$436,177
baseline
▲ 0.50% · 4.625%
HK$459,169
+HK$22,992/mo
Deposit HK$34.96M · loan HK$81.56M · min. income ≈ HK$872,354/mo (50% DSR)
Upfront cash ≈ HK$42.53M (deposit + AVD stamp duty HK$7,573,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$478,255
−HK$29,991/mo
▼ 0.25% · 3.875%
HK$493,132
−HK$15,114/mo
Today · 4.125%
HK$508,246
baseline
▲ 0.50% · 4.625%
HK$539,172
+HK$30,926/mo
Deposit HK$11.65M · loan HK$104.87M · min. income ≈ HK$1,016,492/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$7,573,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$532,054
−HK$28,745/mo
▼ 0.25% · 3.875%
HK$546,324
−HK$14,475/mo
Today · 4.125%
HK$560,799
baseline
▲ 0.50% · 4.625%
HK$590,360
+HK$29,561/mo
Deposit HK$11.65M · loan HK$104.87M · min. income ≈ HK$1,121,598/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$7,573,854 · Scale 2, in force from 26 Feb 2026)