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$269,439
−HK$16,897/mo
▼ 0.25% · 3.875%
HK$277,821
−HK$8,515/mo
Today · 4.125%
HK$286,336
baseline
▲ 0.50% · 4.625%
HK$303,759
+HK$17,423/mo
Deposit HK$59.08M · loan HK$59.08M · min. income ≈ HK$572,672/mo (50% DSR)
Upfront cash ≈ HK$66.76M (deposit + AVD stamp duty HK$7,680,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,749
−HK$16,194/mo
▼ 0.25% · 3.875%
HK$307,788
−HK$8,155/mo
Today · 4.125%
HK$315,943
baseline
▲ 0.50% · 4.625%
HK$332,597
+HK$16,654/mo
Deposit HK$59.08M · loan HK$59.08M · min. income ≈ HK$631,886/mo (50% DSR)
Upfront cash ≈ HK$66.76M (deposit + AVD stamp duty HK$7,680,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,327
−HK$20,276/mo
▼ 0.25% · 3.875%
HK$333,385
−HK$10,218/mo
Today · 4.125%
HK$343,603
baseline
▲ 0.50% · 4.625%
HK$364,510
+HK$20,907/mo
Deposit HK$47.26M · loan HK$70.90M · min. income ≈ HK$687,206/mo (50% DSR)
Upfront cash ≈ HK$54.95M (deposit + AVD stamp duty HK$7,680,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$359,698
−HK$19,434/mo
▼ 0.25% · 3.875%
HK$369,345
−HK$9,787/mo
Today · 4.125%
HK$379,132
baseline
▲ 0.50% · 4.625%
HK$399,116
+HK$19,984/mo
Deposit HK$47.26M · loan HK$70.90M · min. income ≈ HK$758,264/mo (50% DSR)
Upfront cash ≈ HK$54.95M (deposit + AVD stamp duty HK$7,680,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$377,215
−HK$23,655/mo
▼ 0.25% · 3.875%
HK$388,949
−HK$11,921/mo
Today · 4.125%
HK$400,870
baseline
▲ 0.50% · 4.625%
HK$425,262
+HK$24,392/mo
Deposit HK$35.45M · loan HK$82.71M · min. income ≈ HK$801,740/mo (50% DSR)
Upfront cash ≈ HK$43.13M (deposit + AVD stamp duty HK$7,680,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$419,648
−HK$22,672/mo
▼ 0.25% · 3.875%
HK$430,903
−HK$11,417/mo
Today · 4.125%
HK$442,320
baseline
▲ 0.50% · 4.625%
HK$465,636
+HK$23,316/mo
Deposit HK$35.45M · loan HK$82.71M · min. income ≈ HK$884,640/mo (50% DSR)
Upfront cash ≈ HK$43.13M (deposit + AVD stamp duty HK$7,680,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$484,991
−HK$30,413/mo
▼ 0.25% · 3.875%
HK$500,077
−HK$15,327/mo
Today · 4.125%
HK$515,404
baseline
▲ 0.50% · 4.625%
HK$546,765
+HK$31,361/mo
Deposit HK$11.82M · loan HK$106.35M · min. income ≈ HK$1,030,808/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$7,680,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$539,548
−HK$29,150/mo
▼ 0.25% · 3.875%
HK$554,018
−HK$14,680/mo
Today · 4.125%
HK$568,698
baseline
▲ 0.50% · 4.625%
HK$598,675
+HK$29,977/mo
Deposit HK$11.82M · loan HK$106.35M · min. income ≈ HK$1,137,396/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$7,680,524 · Scale 2, in force from 26 Feb 2026)