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$263,926
−HK$16,551/mo
▼ 0.25% · 3.875%
HK$272,136
−HK$8,341/mo
Today · 4.125%
HK$280,477
baseline
▲ 0.50% · 4.625%
HK$297,543
+HK$17,066/mo
Deposit HK$57.87M · loan HK$57.87M · min. income ≈ HK$560,954/mo (50% DSR)
Upfront cash ≈ HK$65.40M (deposit + AVD stamp duty HK$7,523,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,615
−HK$15,863/mo
▼ 0.25% · 3.875%
HK$301,490
−HK$7,988/mo
Today · 4.125%
HK$309,478
baseline
▲ 0.50% · 4.625%
HK$325,791
+HK$16,313/mo
Deposit HK$57.87M · loan HK$57.87M · min. income ≈ HK$618,956/mo (50% DSR)
Upfront cash ≈ HK$65.40M (deposit + AVD stamp duty HK$7,523,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,711
−HK$19,861/mo
▼ 0.25% · 3.875%
HK$326,563
−HK$10,009/mo
Today · 4.125%
HK$336,572
baseline
▲ 0.50% · 4.625%
HK$357,052
+HK$20,480/mo
Deposit HK$46.30M · loan HK$69.45M · min. income ≈ HK$673,144/mo (50% DSR)
Upfront cash ≈ HK$53.82M (deposit + AVD stamp duty HK$7,523,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,338
−HK$19,036/mo
▼ 0.25% · 3.875%
HK$361,788
−HK$9,586/mo
Today · 4.125%
HK$371,374
baseline
▲ 0.50% · 4.625%
HK$390,950
+HK$19,576/mo
Deposit HK$46.30M · loan HK$69.45M · min. income ≈ HK$742,748/mo (50% DSR)
Upfront cash ≈ HK$53.82M (deposit + AVD stamp duty HK$7,523,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$369,497
−HK$23,170/mo
▼ 0.25% · 3.875%
HK$380,990
−HK$11,677/mo
Today · 4.125%
HK$392,667
baseline
▲ 0.50% · 4.625%
HK$416,560
+HK$23,893/mo
Deposit HK$34.72M · loan HK$81.02M · min. income ≈ HK$785,334/mo (50% DSR)
Upfront cash ≈ HK$42.25M (deposit + AVD stamp duty HK$7,523,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$411,061
−HK$22,209/mo
▼ 0.25% · 3.875%
HK$422,086
−HK$11,184/mo
Today · 4.125%
HK$433,270
baseline
▲ 0.50% · 4.625%
HK$456,108
+HK$22,838/mo
Deposit HK$34.72M · loan HK$81.02M · min. income ≈ HK$866,540/mo (50% DSR)
Upfront cash ≈ HK$42.25M (deposit + AVD stamp duty HK$7,523,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$475,067
−HK$29,791/mo
▼ 0.25% · 3.875%
HK$489,844
−HK$15,014/mo
Today · 4.125%
HK$504,858
baseline
▲ 0.50% · 4.625%
HK$535,577
+HK$30,719/mo
Deposit HK$11.57M · loan HK$104.17M · min. income ≈ HK$1,009,716/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$7,523,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$528,507
−HK$28,554/mo
▼ 0.25% · 3.875%
HK$542,682
−HK$14,379/mo
Today · 4.125%
HK$557,061
baseline
▲ 0.50% · 4.625%
HK$586,424
+HK$29,363/mo
Deposit HK$11.57M · loan HK$104.17M · min. income ≈ HK$1,114,122/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$7,523,364 · Scale 2, in force from 26 Feb 2026)