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$357,335
−HK$22,408/mo
▼ 0.25% · 3.875%
HK$368,450
−HK$11,293/mo
Today · 4.125%
HK$379,743
baseline
▲ 0.50% · 4.625%
HK$402,849
+HK$23,106/mo
Deposit HK$78.35M · loan HK$78.35M · min. income ≈ HK$759,486/mo (50% DSR)
Upfront cash ≈ HK$88.54M (deposit + AVD stamp duty HK$10,186,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$397,531
−HK$21,478/mo
▼ 0.25% · 3.875%
HK$408,193
−HK$10,816/mo
Today · 4.125%
HK$419,009
baseline
▲ 0.50% · 4.625%
HK$441,095
+HK$22,086/mo
Deposit HK$78.35M · loan HK$78.35M · min. income ≈ HK$838,018/mo (50% DSR)
Upfront cash ≈ HK$88.54M (deposit + AVD stamp duty HK$10,186,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$428,802
−HK$26,889/mo
▼ 0.25% · 3.875%
HK$442,140
−HK$13,551/mo
Today · 4.125%
HK$455,691
baseline
▲ 0.50% · 4.625%
HK$483,419
+HK$27,728/mo
Deposit HK$62.68M · loan HK$94.02M · min. income ≈ HK$911,382/mo (50% DSR)
Upfront cash ≈ HK$72.87M (deposit + AVD stamp duty HK$10,186,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$477,038
−HK$25,772/mo
▼ 0.25% · 3.875%
HK$489,831
−HK$12,979/mo
Today · 4.125%
HK$502,810
baseline
▲ 0.50% · 4.625%
HK$529,314
+HK$26,504/mo
Deposit HK$62.68M · loan HK$94.02M · min. income ≈ HK$1,005,620/mo (50% DSR)
Upfront cash ≈ HK$72.87M (deposit + AVD stamp duty HK$10,186,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$500,269
−HK$31,371/mo
▼ 0.25% · 3.875%
HK$515,830
−HK$15,810/mo
Today · 4.125%
HK$531,640
baseline
▲ 0.50% · 4.625%
HK$563,989
+HK$32,349/mo
Deposit HK$47.01M · loan HK$109.70M · min. income ≈ HK$1,063,280/mo (50% DSR)
Upfront cash ≈ HK$57.20M (deposit + AVD stamp duty HK$10,186,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$556,544
−HK$30,068/mo
▼ 0.25% · 3.875%
HK$571,470
−HK$15,142/mo
Today · 4.125%
HK$586,612
baseline
▲ 0.50% · 4.625%
HK$617,533
+HK$30,921/mo
Deposit HK$47.01M · loan HK$109.70M · min. income ≈ HK$1,173,224/mo (50% DSR)
Upfront cash ≈ HK$57.20M (deposit + AVD stamp duty HK$10,186,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$643,202
−HK$40,335/mo
▼ 0.25% · 3.875%
HK$663,210
−HK$20,327/mo
Today · 4.125%
HK$683,537
baseline
▲ 0.50% · 4.625%
HK$725,129
+HK$41,592/mo
Deposit HK$15.67M · loan HK$141.04M · min. income ≈ HK$1,367,074/mo (50% DSR)
Upfront cash ≈ HK$25.86M (deposit + AVD stamp duty HK$10,186,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$715,556
−HK$38,660/mo
▼ 0.25% · 3.875%
HK$734,747
−HK$19,469/mo
Today · 4.125%
HK$754,216
baseline
▲ 0.50% · 4.625%
HK$793,971
+HK$39,755/mo
Deposit HK$15.67M · loan HK$141.04M · min. income ≈ HK$1,508,432/mo (50% DSR)
Upfront cash ≈ HK$25.86M (deposit + AVD stamp duty HK$10,186,029 · Scale 2, in force from 26 Feb 2026)