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$323,288
−HK$20,273/mo
▼ 0.25% · 3.875%
HK$333,344
−HK$10,217/mo
Today · 4.125%
HK$343,561
baseline
▲ 0.50% · 4.625%
HK$364,466
+HK$20,905/mo
Deposit HK$70.89M · loan HK$70.89M · min. income ≈ HK$687,122/mo (50% DSR)
Upfront cash ≈ HK$80.10M (deposit + AVD stamp duty HK$9,215,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$359,655
−HK$19,431/mo
▼ 0.25% · 3.875%
HK$369,300
−HK$9,786/mo
Today · 4.125%
HK$379,086
baseline
▲ 0.50% · 4.625%
HK$399,068
+HK$19,982/mo
Deposit HK$70.89M · loan HK$70.89M · min. income ≈ HK$758,172/mo (50% DSR)
Upfront cash ≈ HK$80.10M (deposit + AVD stamp duty HK$9,215,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$387,946
−HK$24,327/mo
▼ 0.25% · 3.875%
HK$400,013
−HK$12,260/mo
Today · 4.125%
HK$412,273
baseline
▲ 0.50% · 4.625%
HK$437,359
+HK$25,086/mo
Deposit HK$56.71M · loan HK$85.07M · min. income ≈ HK$824,546/mo (50% DSR)
Upfront cash ≈ HK$65.93M (deposit + AVD stamp duty HK$9,215,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$431,586
−HK$23,317/mo
▼ 0.25% · 3.875%
HK$443,161
−HK$11,742/mo
Today · 4.125%
HK$454,903
baseline
▲ 0.50% · 4.625%
HK$478,881
+HK$23,978/mo
Deposit HK$56.71M · loan HK$85.07M · min. income ≈ HK$909,806/mo (50% DSR)
Upfront cash ≈ HK$65.93M (deposit + AVD stamp duty HK$9,215,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$452,603
−HK$28,382/mo
▼ 0.25% · 3.875%
HK$466,682
−HK$14,303/mo
Today · 4.125%
HK$480,985
baseline
▲ 0.50% · 4.625%
HK$510,252
+HK$29,267/mo
Deposit HK$42.53M · loan HK$99.24M · min. income ≈ HK$961,970/mo (50% DSR)
Upfront cash ≈ HK$51.75M (deposit + AVD stamp duty HK$9,215,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$503,517
−HK$27,203/mo
▼ 0.25% · 3.875%
HK$517,021
−HK$13,699/mo
Today · 4.125%
HK$530,720
baseline
▲ 0.50% · 4.625%
HK$558,695
+HK$27,975/mo
Deposit HK$42.53M · loan HK$99.24M · min. income ≈ HK$1,061,440/mo (50% DSR)
Upfront cash ≈ HK$51.75M (deposit + AVD stamp duty HK$9,215,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$581,918
−HK$36,492/mo
▼ 0.25% · 3.875%
HK$600,019
−HK$18,391/mo
Today · 4.125%
HK$618,410
baseline
▲ 0.50% · 4.625%
HK$656,039
+HK$37,629/mo
Deposit HK$14.18M · loan HK$127.60M · min. income ≈ HK$1,236,820/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$9,215,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$647,378
−HK$34,976/mo
▼ 0.25% · 3.875%
HK$664,741
−HK$17,613/mo
Today · 4.125%
HK$682,354
baseline
▲ 0.50% · 4.625%
HK$718,322
+HK$35,968/mo
Deposit HK$14.18M · loan HK$127.60M · min. income ≈ HK$1,364,708/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$9,215,508 · Scale 2, in force from 26 Feb 2026)