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$268,750
−HK$16,854/mo
▼ 0.25% · 3.875%
HK$277,110
−HK$8,494/mo
Today · 4.125%
HK$285,604
baseline
▲ 0.50% · 4.625%
HK$302,982
+HK$17,378/mo
Deposit HK$58.93M · loan HK$58.93M · min. income ≈ HK$571,208/mo (50% DSR)
Upfront cash ≈ HK$66.59M (deposit + AVD stamp duty HK$7,660,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$298,982
−HK$16,153/mo
▼ 0.25% · 3.875%
HK$307,001
−HK$8,134/mo
Today · 4.125%
HK$315,135
baseline
▲ 0.50% · 4.625%
HK$331,747
+HK$16,612/mo
Deposit HK$58.93M · loan HK$58.93M · min. income ≈ HK$630,270/mo (50% DSR)
Upfront cash ≈ HK$66.59M (deposit + AVD stamp duty HK$7,660,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$322,501
−HK$20,223/mo
▼ 0.25% · 3.875%
HK$332,532
−HK$10,192/mo
Today · 4.125%
HK$342,724
baseline
▲ 0.50% · 4.625%
HK$363,578
+HK$20,854/mo
Deposit HK$47.14M · loan HK$70.72M · min. income ≈ HK$685,448/mo (50% DSR)
Upfront cash ≈ HK$54.80M (deposit + AVD stamp duty HK$7,660,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$358,779
−HK$19,383/mo
▼ 0.25% · 3.875%
HK$368,401
−HK$9,761/mo
Today · 4.125%
HK$378,162
baseline
▲ 0.50% · 4.625%
HK$398,096
+HK$19,934/mo
Deposit HK$47.14M · loan HK$70.72M · min. income ≈ HK$756,324/mo (50% DSR)
Upfront cash ≈ HK$54.80M (deposit + AVD stamp duty HK$7,660,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$376,251
−HK$23,594/mo
▼ 0.25% · 3.875%
HK$387,954
−HK$11,891/mo
Today · 4.125%
HK$399,845
baseline
▲ 0.50% · 4.625%
HK$424,175
+HK$24,330/mo
Deposit HK$35.36M · loan HK$82.50M · min. income ≈ HK$799,690/mo (50% DSR)
Upfront cash ≈ HK$43.02M (deposit + AVD stamp duty HK$7,660,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$418,575
−HK$22,614/mo
▼ 0.25% · 3.875%
HK$429,801
−HK$11,388/mo
Today · 4.125%
HK$441,189
baseline
▲ 0.50% · 4.625%
HK$464,445
+HK$23,256/mo
Deposit HK$35.36M · loan HK$82.50M · min. income ≈ HK$882,378/mo (50% DSR)
Upfront cash ≈ HK$43.02M (deposit + AVD stamp duty HK$7,660,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$483,751
−HK$30,335/mo
▼ 0.25% · 3.875%
HK$498,798
−HK$15,288/mo
Today · 4.125%
HK$514,086
baseline
▲ 0.50% · 4.625%
HK$545,367
+HK$31,281/mo
Deposit HK$11.79M · loan HK$106.07M · min. income ≈ HK$1,028,172/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$7,660,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$538,168
−HK$29,076/mo
▼ 0.25% · 3.875%
HK$552,601
−HK$14,643/mo
Today · 4.125%
HK$567,244
baseline
▲ 0.50% · 4.625%
HK$597,144
+HK$29,900/mo
Deposit HK$11.79M · loan HK$106.07M · min. income ≈ HK$1,134,488/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$7,660,885 · Scale 2, in force from 26 Feb 2026)