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$258,495
−HK$16,210/mo
▼ 0.25% · 3.875%
HK$266,536
−HK$8,169/mo
Today · 4.125%
HK$274,705
baseline
▲ 0.50% · 4.625%
HK$291,420
+HK$16,715/mo
Deposit HK$56.68M · loan HK$56.68M · min. income ≈ HK$549,410/mo (50% DSR)
Upfront cash ≈ HK$64.05M (deposit + AVD stamp duty HK$7,368,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,573
−HK$15,537/mo
▼ 0.25% · 3.875%
HK$295,286
−HK$7,824/mo
Today · 4.125%
HK$303,110
baseline
▲ 0.50% · 4.625%
HK$319,087
+HK$15,977/mo
Deposit HK$56.68M · loan HK$56.68M · min. income ≈ HK$606,220/mo (50% DSR)
Upfront cash ≈ HK$64.05M (deposit + AVD stamp duty HK$7,368,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,194
−HK$19,452/mo
▼ 0.25% · 3.875%
HK$319,843
−HK$9,803/mo
Today · 4.125%
HK$329,646
baseline
▲ 0.50% · 4.625%
HK$349,704
+HK$20,058/mo
Deposit HK$45.34M · loan HK$68.02M · min. income ≈ HK$659,292/mo (50% DSR)
Upfront cash ≈ HK$52.71M (deposit + AVD stamp duty HK$7,368,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$345,088
−HK$18,644/mo
▼ 0.25% · 3.875%
HK$354,343
−HK$9,389/mo
Today · 4.125%
HK$363,732
baseline
▲ 0.50% · 4.625%
HK$382,904
+HK$19,172/mo
Deposit HK$45.34M · loan HK$68.02M · min. income ≈ HK$727,464/mo (50% DSR)
Upfront cash ≈ HK$52.71M (deposit + AVD stamp duty HK$7,368,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$361,893
−HK$22,694/mo
▼ 0.25% · 3.875%
HK$373,150
−HK$11,437/mo
Today · 4.125%
HK$384,587
baseline
▲ 0.50% · 4.625%
HK$407,988
+HK$23,401/mo
Deposit HK$34.01M · loan HK$79.35M · min. income ≈ HK$769,174/mo (50% DSR)
Upfront cash ≈ HK$41.38M (deposit + AVD stamp duty HK$7,368,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$402,602
−HK$21,752/mo
▼ 0.25% · 3.875%
HK$413,400
−HK$10,954/mo
Today · 4.125%
HK$424,354
baseline
▲ 0.50% · 4.625%
HK$446,722
+HK$22,368/mo
Deposit HK$34.01M · loan HK$79.35M · min. income ≈ HK$848,708/mo (50% DSR)
Upfront cash ≈ HK$41.38M (deposit + AVD stamp duty HK$7,368,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$465,291
−HK$29,178/mo
▼ 0.25% · 3.875%
HK$479,764
−HK$14,705/mo
Today · 4.125%
HK$494,469
baseline
▲ 0.50% · 4.625%
HK$524,556
+HK$30,087/mo
Deposit HK$11.34M · loan HK$102.03M · min. income ≈ HK$988,938/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$7,368,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$517,631
−HK$27,966/mo
▼ 0.25% · 3.875%
HK$531,514
−HK$14,083/mo
Today · 4.125%
HK$545,597
baseline
▲ 0.50% · 4.625%
HK$574,357
+HK$28,760/mo
Deposit HK$11.34M · loan HK$102.03M · min. income ≈ HK$1,091,194/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$7,368,544 · Scale 2, in force from 26 Feb 2026)