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$262,077
−HK$16,434/mo
▼ 0.25% · 3.875%
HK$270,229
−HK$8,282/mo
Today · 4.125%
HK$278,511
baseline
▲ 0.50% · 4.625%
HK$295,458
+HK$16,947/mo
Deposit HK$57.47M · loan HK$57.47M · min. income ≈ HK$557,022/mo (50% DSR)
Upfront cash ≈ HK$64.94M (deposit + AVD stamp duty HK$7,470,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,558
−HK$15,752/mo
▼ 0.25% · 3.875%
HK$299,377
−HK$7,933/mo
Today · 4.125%
HK$307,310
baseline
▲ 0.50% · 4.625%
HK$323,509
+HK$16,199/mo
Deposit HK$57.47M · loan HK$57.47M · min. income ≈ HK$614,620/mo (50% DSR)
Upfront cash ≈ HK$64.94M (deposit + AVD stamp duty HK$7,470,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$314,492
−HK$19,722/mo
▼ 0.25% · 3.875%
HK$324,275
−HK$9,939/mo
Today · 4.125%
HK$334,214
baseline
▲ 0.50% · 4.625%
HK$354,550
+HK$20,336/mo
Deposit HK$45.97M · loan HK$68.96M · min. income ≈ HK$668,428/mo (50% DSR)
Upfront cash ≈ HK$53.44M (deposit + AVD stamp duty HK$7,470,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$349,869
−HK$18,903/mo
▼ 0.25% · 3.875%
HK$359,253
−HK$9,519/mo
Today · 4.125%
HK$368,772
baseline
▲ 0.50% · 4.625%
HK$388,210
+HK$19,438/mo
Deposit HK$45.97M · loan HK$68.96M · min. income ≈ HK$737,544/mo (50% DSR)
Upfront cash ≈ HK$53.44M (deposit + AVD stamp duty HK$7,470,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$366,908
−HK$23,008/mo
▼ 0.25% · 3.875%
HK$378,320
−HK$11,596/mo
Today · 4.125%
HK$389,916
baseline
▲ 0.50% · 4.625%
HK$413,641
+HK$23,725/mo
Deposit HK$34.48M · loan HK$80.45M · min. income ≈ HK$779,832/mo (50% DSR)
Upfront cash ≈ HK$41.95M (deposit + AVD stamp duty HK$7,470,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$408,181
−HK$22,053/mo
▼ 0.25% · 3.875%
HK$419,128
−HK$11,106/mo
Today · 4.125%
HK$430,234
baseline
▲ 0.50% · 4.625%
HK$452,912
+HK$22,678/mo
Deposit HK$34.48M · loan HK$80.45M · min. income ≈ HK$860,468/mo (50% DSR)
Upfront cash ≈ HK$41.95M (deposit + AVD stamp duty HK$7,470,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$471,738
−HK$29,582/mo
▼ 0.25% · 3.875%
HK$486,412
−HK$14,908/mo
Today · 4.125%
HK$501,320
baseline
▲ 0.50% · 4.625%
HK$531,825
+HK$30,505/mo
Deposit HK$11.49M · loan HK$103.44M · min. income ≈ HK$1,002,640/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$7,470,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$524,804
−HK$28,354/mo
▼ 0.25% · 3.875%
HK$538,879
−HK$14,279/mo
Today · 4.125%
HK$553,158
baseline
▲ 0.50% · 4.625%
HK$582,315
+HK$29,157/mo
Deposit HK$11.49M · loan HK$103.44M · min. income ≈ HK$1,106,316/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$7,470,649 · Scale 2, in force from 26 Feb 2026)