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$267,508
−HK$16,775/mo
▼ 0.25% · 3.875%
HK$275,829
−HK$8,454/mo
Today · 4.125%
HK$284,283
baseline
▲ 0.50% · 4.625%
HK$301,581
+HK$17,298/mo
Deposit HK$58.66M · loan HK$58.66M · min. income ≈ HK$568,566/mo (50% DSR)
Upfront cash ≈ HK$66.28M (deposit + AVD stamp duty HK$7,625,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,600
−HK$16,078/mo
▼ 0.25% · 3.875%
HK$305,581
−HK$8,097/mo
Today · 4.125%
HK$313,678
baseline
▲ 0.50% · 4.625%
HK$330,213
+HK$16,535/mo
Deposit HK$58.66M · loan HK$58.66M · min. income ≈ HK$627,356/mo (50% DSR)
Upfront cash ≈ HK$66.28M (deposit + AVD stamp duty HK$7,625,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$321,009
−HK$20,131/mo
▼ 0.25% · 3.875%
HK$330,995
−HK$10,145/mo
Today · 4.125%
HK$341,140
baseline
▲ 0.50% · 4.625%
HK$361,897
+HK$20,757/mo
Deposit HK$46.93M · loan HK$70.39M · min. income ≈ HK$682,280/mo (50% DSR)
Upfront cash ≈ HK$54.55M (deposit + AVD stamp duty HK$7,625,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$357,120
−HK$19,294/mo
▼ 0.25% · 3.875%
HK$366,698
−HK$9,716/mo
Today · 4.125%
HK$376,414
baseline
▲ 0.50% · 4.625%
HK$396,255
+HK$19,841/mo
Deposit HK$46.93M · loan HK$70.39M · min. income ≈ HK$752,828/mo (50% DSR)
Upfront cash ≈ HK$54.55M (deposit + AVD stamp duty HK$7,625,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$374,511
−HK$23,485/mo
▼ 0.25% · 3.875%
HK$386,160
−HK$11,836/mo
Today · 4.125%
HK$397,996
baseline
▲ 0.50% · 4.625%
HK$422,213
+HK$24,217/mo
Deposit HK$35.19M · loan HK$82.12M · min. income ≈ HK$795,992/mo (50% DSR)
Upfront cash ≈ HK$42.82M (deposit + AVD stamp duty HK$7,625,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$416,640
−HK$22,510/mo
▼ 0.25% · 3.875%
HK$427,814
−HK$11,336/mo
Today · 4.125%
HK$439,150
baseline
▲ 0.50% · 4.625%
HK$462,298
+HK$23,148/mo
Deposit HK$35.19M · loan HK$82.12M · min. income ≈ HK$878,300/mo (50% DSR)
Upfront cash ≈ HK$42.82M (deposit + AVD stamp duty HK$7,625,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$481,514
−HK$30,195/mo
▼ 0.25% · 3.875%
HK$496,492
−HK$15,217/mo
Today · 4.125%
HK$511,709
baseline
▲ 0.50% · 4.625%
HK$542,846
+HK$31,137/mo
Deposit HK$11.73M · loan HK$105.58M · min. income ≈ HK$1,023,418/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$7,625,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$535,680
−HK$28,941/mo
▼ 0.25% · 3.875%
HK$550,046
−HK$14,575/mo
Today · 4.125%
HK$564,621
baseline
▲ 0.50% · 4.625%
HK$594,383
+HK$29,762/mo
Deposit HK$11.73M · loan HK$105.58M · min. income ≈ HK$1,129,242/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$7,625,464 · Scale 2, in force from 26 Feb 2026)