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$266,446
−HK$16,709/mo
▼ 0.25% · 3.875%
HK$274,734
−HK$8,421/mo
Today · 4.125%
HK$283,155
baseline
▲ 0.50% · 4.625%
HK$300,384
+HK$17,229/mo
Deposit HK$58.42M · loan HK$58.42M · min. income ≈ HK$566,310/mo (50% DSR)
Upfront cash ≈ HK$66.02M (deposit + AVD stamp duty HK$7,595,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,419
−HK$16,014/mo
▼ 0.25% · 3.875%
HK$304,368
−HK$8,065/mo
Today · 4.125%
HK$312,433
baseline
▲ 0.50% · 4.625%
HK$328,902
+HK$16,469/mo
Deposit HK$58.42M · loan HK$58.42M · min. income ≈ HK$624,866/mo (50% DSR)
Upfront cash ≈ HK$66.02M (deposit + AVD stamp duty HK$7,595,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$319,735
−HK$20,050/mo
▼ 0.25% · 3.875%
HK$329,681
−HK$10,104/mo
Today · 4.125%
HK$339,785
baseline
▲ 0.50% · 4.625%
HK$360,461
+HK$20,676/mo
Deposit HK$46.74M · loan HK$70.11M · min. income ≈ HK$679,570/mo (50% DSR)
Upfront cash ≈ HK$54.33M (deposit + AVD stamp duty HK$7,595,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$355,702
−HK$19,218/mo
▼ 0.25% · 3.875%
HK$365,242
−HK$9,678/mo
Today · 4.125%
HK$374,920
baseline
▲ 0.50% · 4.625%
HK$394,682
+HK$19,762/mo
Deposit HK$46.74M · loan HK$70.11M · min. income ≈ HK$749,840/mo (50% DSR)
Upfront cash ≈ HK$54.33M (deposit + AVD stamp duty HK$7,595,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$373,024
−HK$23,392/mo
▼ 0.25% · 3.875%
HK$384,628
−HK$11,788/mo
Today · 4.125%
HK$396,416
baseline
▲ 0.50% · 4.625%
HK$420,537
+HK$24,121/mo
Deposit HK$35.05M · loan HK$81.79M · min. income ≈ HK$792,832/mo (50% DSR)
Upfront cash ≈ HK$42.65M (deposit + AVD stamp duty HK$7,595,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$414,986
−HK$22,420/mo
▼ 0.25% · 3.875%
HK$426,116
−HK$11,290/mo
Today · 4.125%
HK$437,406
baseline
▲ 0.50% · 4.625%
HK$460,463
+HK$23,057/mo
Deposit HK$35.05M · loan HK$81.79M · min. income ≈ HK$874,812/mo (50% DSR)
Upfront cash ≈ HK$42.65M (deposit + AVD stamp duty HK$7,595,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$479,603
−HK$30,075/mo
▼ 0.25% · 3.875%
HK$494,521
−HK$15,157/mo
Today · 4.125%
HK$509,678
baseline
▲ 0.50% · 4.625%
HK$540,691
+HK$31,013/mo
Deposit HK$11.68M · loan HK$105.16M · min. income ≈ HK$1,019,356/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$7,595,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$533,553
−HK$28,827/mo
▼ 0.25% · 3.875%
HK$547,863
−HK$14,517/mo
Today · 4.125%
HK$562,380
baseline
▲ 0.50% · 4.625%
HK$592,023
+HK$29,643/mo
Deposit HK$11.68M · loan HK$105.16M · min. income ≈ HK$1,124,760/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$7,595,195 · Scale 2, in force from 26 Feb 2026)