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$263,459
−HK$16,521/mo
▼ 0.25% · 3.875%
HK$271,654
−HK$8,326/mo
Today · 4.125%
HK$279,980
baseline
▲ 0.50% · 4.625%
HK$297,016
+HK$17,036/mo
Deposit HK$57.77M · loan HK$57.77M · min. income ≈ HK$559,960/mo (50% DSR)
Upfront cash ≈ HK$65.28M (deposit + AVD stamp duty HK$7,510,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,095
−HK$15,835/mo
▼ 0.25% · 3.875%
HK$300,956
−HK$7,974/mo
Today · 4.125%
HK$308,930
baseline
▲ 0.50% · 4.625%
HK$325,214
+HK$16,284/mo
Deposit HK$57.77M · loan HK$57.77M · min. income ≈ HK$617,860/mo (50% DSR)
Upfront cash ≈ HK$65.28M (deposit + AVD stamp duty HK$7,510,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,150
−HK$19,826/mo
▼ 0.25% · 3.875%
HK$325,984
−HK$9,992/mo
Today · 4.125%
HK$335,976
baseline
▲ 0.50% · 4.625%
HK$356,419
+HK$20,443/mo
Deposit HK$46.22M · loan HK$69.32M · min. income ≈ HK$671,952/mo (50% DSR)
Upfront cash ≈ HK$53.73M (deposit + AVD stamp duty HK$7,510,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$351,714
−HK$19,002/mo
▼ 0.25% · 3.875%
HK$361,147
−HK$9,569/mo
Today · 4.125%
HK$370,716
baseline
▲ 0.50% · 4.625%
HK$390,257
+HK$19,541/mo
Deposit HK$46.22M · loan HK$69.32M · min. income ≈ HK$741,432/mo (50% DSR)
Upfront cash ≈ HK$53.73M (deposit + AVD stamp duty HK$7,510,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$368,842
−HK$23,130/mo
▼ 0.25% · 3.875%
HK$380,315
−HK$11,657/mo
Today · 4.125%
HK$391,972
baseline
▲ 0.50% · 4.625%
HK$415,822
+HK$23,850/mo
Deposit HK$34.66M · loan HK$80.88M · min. income ≈ HK$783,944/mo (50% DSR)
Upfront cash ≈ HK$42.17M (deposit + AVD stamp duty HK$7,510,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$410,333
−HK$22,169/mo
▼ 0.25% · 3.875%
HK$421,338
−HK$11,164/mo
Today · 4.125%
HK$432,502
baseline
▲ 0.50% · 4.625%
HK$455,300
+HK$22,798/mo
Deposit HK$34.66M · loan HK$80.88M · min. income ≈ HK$865,004/mo (50% DSR)
Upfront cash ≈ HK$42.17M (deposit + AVD stamp duty HK$7,510,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$474,225
−HK$29,739/mo
▼ 0.25% · 3.875%
HK$488,977
−HK$14,987/mo
Today · 4.125%
HK$503,964
baseline
▲ 0.50% · 4.625%
HK$534,629
+HK$30,665/mo
Deposit HK$11.55M · loan HK$103.99M · min. income ≈ HK$1,007,928/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$7,510,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$527,571
−HK$28,503/mo
▼ 0.25% · 3.875%
HK$541,720
−HK$14,354/mo
Today · 4.125%
HK$556,074
baseline
▲ 0.50% · 4.625%
HK$585,385
+HK$29,311/mo
Deposit HK$11.55M · loan HK$103.99M · min. income ≈ HK$1,112,148/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$7,510,036 · Scale 2, in force from 26 Feb 2026)