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$256,094
−HK$16,060/mo
▼ 0.25% · 3.875%
HK$264,060
−HK$8,094/mo
Today · 4.125%
HK$272,154
baseline
▲ 0.50% · 4.625%
HK$288,714
+HK$16,560/mo
Deposit HK$56.15M · loan HK$56.15M · min. income ≈ HK$544,308/mo (50% DSR)
Upfront cash ≈ HK$63.45M (deposit + AVD stamp duty HK$7,300,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,902
−HK$15,393/mo
▼ 0.25% · 3.875%
HK$292,543
−HK$7,752/mo
Today · 4.125%
HK$300,295
baseline
▲ 0.50% · 4.625%
HK$316,124
+HK$15,829/mo
Deposit HK$56.15M · loan HK$56.15M · min. income ≈ HK$600,590/mo (50% DSR)
Upfront cash ≈ HK$63.45M (deposit + AVD stamp duty HK$7,300,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$307,313
−HK$19,271/mo
▼ 0.25% · 3.875%
HK$316,872
−HK$9,712/mo
Today · 4.125%
HK$326,584
baseline
▲ 0.50% · 4.625%
HK$346,456
+HK$19,872/mo
Deposit HK$44.92M · loan HK$67.39M · min. income ≈ HK$653,168/mo (50% DSR)
Upfront cash ≈ HK$52.22M (deposit + AVD stamp duty HK$7,300,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$341,883
−HK$18,471/mo
▼ 0.25% · 3.875%
HK$351,052
−HK$9,302/mo
Today · 4.125%
HK$360,354
baseline
▲ 0.50% · 4.625%
HK$379,348
+HK$18,994/mo
Deposit HK$44.92M · loan HK$67.39M · min. income ≈ HK$720,708/mo (50% DSR)
Upfront cash ≈ HK$52.22M (deposit + AVD stamp duty HK$7,300,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$358,532
−HK$22,483/mo
▼ 0.25% · 3.875%
HK$369,684
−HK$11,331/mo
Today · 4.125%
HK$381,015
baseline
▲ 0.50% · 4.625%
HK$404,199
+HK$23,184/mo
Deposit HK$33.69M · loan HK$78.62M · min. income ≈ HK$762,030/mo (50% DSR)
Upfront cash ≈ HK$40.99M (deposit + AVD stamp duty HK$7,300,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$398,863
−HK$21,550/mo
▼ 0.25% · 3.875%
HK$409,561
−HK$10,852/mo
Today · 4.125%
HK$420,413
baseline
▲ 0.50% · 4.625%
HK$442,573
+HK$22,160/mo
Deposit HK$33.69M · loan HK$78.62M · min. income ≈ HK$840,826/mo (50% DSR)
Upfront cash ≈ HK$40.99M (deposit + AVD stamp duty HK$7,300,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$460,970
−HK$28,907/mo
▼ 0.25% · 3.875%
HK$475,309
−HK$14,568/mo
Today · 4.125%
HK$489,877
baseline
▲ 0.50% · 4.625%
HK$519,685
+HK$29,808/mo
Deposit HK$11.23M · loan HK$101.08M · min. income ≈ HK$979,754/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$7,300,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$512,824
−HK$27,707/mo
▼ 0.25% · 3.875%
HK$526,578
−HK$13,953/mo
Today · 4.125%
HK$540,531
baseline
▲ 0.50% · 4.625%
HK$569,023
+HK$28,492/mo
Deposit HK$11.23M · loan HK$101.08M · min. income ≈ HK$1,081,062/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$7,300,115 · Scale 2, in force from 26 Feb 2026)