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$509,747
−HK$31,966/mo
▼ 0.25% · 3.875%
HK$525,603
−HK$16,110/mo
Today · 4.125%
HK$541,713
baseline
▲ 0.50% · 4.625%
HK$574,675
+HK$32,962/mo
Deposit HK$111.77M · loan HK$111.77M · min. income ≈ HK$1,083,426/mo (50% DSR)
Upfront cash ≈ HK$126.30M (deposit + AVD stamp duty HK$14,530,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$567,089
−HK$30,638/mo
▼ 0.25% · 3.875%
HK$582,298
−HK$15,429/mo
Today · 4.125%
HK$597,727
baseline
▲ 0.50% · 4.625%
HK$629,234
+HK$31,507/mo
Deposit HK$111.77M · loan HK$111.77M · min. income ≈ HK$1,195,454/mo (50% DSR)
Upfront cash ≈ HK$126.30M (deposit + AVD stamp duty HK$14,530,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$611,697
−HK$38,358/mo
▼ 0.25% · 3.875%
HK$630,724
−HK$19,331/mo
Today · 4.125%
HK$650,055
baseline
▲ 0.50% · 4.625%
HK$689,610
+HK$39,555/mo
Deposit HK$89.42M · loan HK$134.13M · min. income ≈ HK$1,300,110/mo (50% DSR)
Upfront cash ≈ HK$103.95M (deposit + AVD stamp duty HK$14,530,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$680,506
−HK$36,766/mo
▼ 0.25% · 3.875%
HK$698,757
−HK$18,515/mo
Today · 4.125%
HK$717,272
baseline
▲ 0.50% · 4.625%
HK$755,080
+HK$37,808/mo
Deposit HK$89.42M · loan HK$134.13M · min. income ≈ HK$1,434,544/mo (50% DSR)
Upfront cash ≈ HK$103.95M (deposit + AVD stamp duty HK$14,530,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$713,646
−HK$44,752/mo
▼ 0.25% · 3.875%
HK$735,844
−HK$22,554/mo
Today · 4.125%
HK$758,398
baseline
▲ 0.50% · 4.625%
HK$804,545
+HK$46,147/mo
Deposit HK$67.06M · loan HK$156.48M · min. income ≈ HK$1,516,796/mo (50% DSR)
Upfront cash ≈ HK$81.60M (deposit + AVD stamp duty HK$14,530,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$793,924
−HK$42,893/mo
▼ 0.25% · 3.875%
HK$815,217
−HK$21,600/mo
Today · 4.125%
HK$836,817
baseline
▲ 0.50% · 4.625%
HK$880,927
+HK$44,110/mo
Deposit HK$67.06M · loan HK$156.48M · min. income ≈ HK$1,673,634/mo (50% DSR)
Upfront cash ≈ HK$81.60M (deposit + AVD stamp duty HK$14,530,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$917,545
−HK$57,538/mo
▼ 0.25% · 3.875%
HK$946,086
−HK$28,997/mo
Today · 4.125%
HK$975,083
baseline
▲ 0.50% · 4.625%
HK$1,034,414
+HK$59,331/mo
Deposit HK$22.35M · loan HK$201.19M · min. income ≈ HK$1,950,166/mo (50% DSR)
Upfront cash ≈ HK$36.89M (deposit + AVD stamp duty HK$14,530,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,020,759
−HK$55,149/mo
▼ 0.25% · 3.875%
HK$1,048,136
−HK$27,772/mo
Today · 4.125%
HK$1,075,908
baseline
▲ 0.50% · 4.625%
HK$1,132,620
+HK$56,712/mo
Deposit HK$22.35M · loan HK$201.19M · min. income ≈ HK$2,151,816/mo (50% DSR)
Upfront cash ≈ HK$36.89M (deposit + AVD stamp duty HK$14,530,630 · Scale 2, in force from 26 Feb 2026)