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$356,646
−HK$22,365/mo
▼ 0.25% · 3.875%
HK$367,740
−HK$11,271/mo
Today · 4.125%
HK$379,011
baseline
▲ 0.50% · 4.625%
HK$402,073
+HK$23,062/mo
Deposit HK$78.20M · loan HK$78.20M · min. income ≈ HK$758,022/mo (50% DSR)
Upfront cash ≈ HK$88.37M (deposit + AVD stamp duty HK$10,166,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$396,765
−HK$21,436/mo
▼ 0.25% · 3.875%
HK$407,406
−HK$10,795/mo
Today · 4.125%
HK$418,201
baseline
▲ 0.50% · 4.625%
HK$440,245
+HK$22,044/mo
Deposit HK$78.20M · loan HK$78.20M · min. income ≈ HK$836,402/mo (50% DSR)
Upfront cash ≈ HK$88.37M (deposit + AVD stamp duty HK$10,166,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$427,975
−HK$26,838/mo
▼ 0.25% · 3.875%
HK$441,288
−HK$13,525/mo
Today · 4.125%
HK$454,813
baseline
▲ 0.50% · 4.625%
HK$482,487
+HK$27,674/mo
Deposit HK$62.56M · loan HK$93.84M · min. income ≈ HK$909,626/mo (50% DSR)
Upfront cash ≈ HK$72.73M (deposit + AVD stamp duty HK$10,166,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$476,118
−HK$25,723/mo
▼ 0.25% · 3.875%
HK$488,887
−HK$12,954/mo
Today · 4.125%
HK$501,841
baseline
▲ 0.50% · 4.625%
HK$528,294
+HK$26,453/mo
Deposit HK$62.56M · loan HK$93.84M · min. income ≈ HK$1,003,682/mo (50% DSR)
Upfront cash ≈ HK$72.73M (deposit + AVD stamp duty HK$10,166,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$499,304
−HK$31,311/mo
▼ 0.25% · 3.875%
HK$514,836
−HK$15,779/mo
Today · 4.125%
HK$530,615
baseline
▲ 0.50% · 4.625%
HK$562,902
+HK$32,287/mo
Deposit HK$46.92M · loan HK$109.48M · min. income ≈ HK$1,061,230/mo (50% DSR)
Upfront cash ≈ HK$57.09M (deposit + AVD stamp duty HK$10,166,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$555,471
−HK$30,011/mo
▼ 0.25% · 3.875%
HK$570,369
−HK$15,113/mo
Today · 4.125%
HK$585,482
baseline
▲ 0.50% · 4.625%
HK$616,343
+HK$30,861/mo
Deposit HK$46.92M · loan HK$109.48M · min. income ≈ HK$1,170,964/mo (50% DSR)
Upfront cash ≈ HK$57.09M (deposit + AVD stamp duty HK$10,166,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$641,963
−HK$40,257/mo
▼ 0.25% · 3.875%
HK$661,932
−HK$20,288/mo
Today · 4.125%
HK$682,220
baseline
▲ 0.50% · 4.625%
HK$723,731
+HK$41,511/mo
Deposit HK$15.64M · loan HK$140.77M · min. income ≈ HK$1,364,440/mo (50% DSR)
Upfront cash ≈ HK$25.81M (deposit + AVD stamp duty HK$10,166,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$714,177
−HK$38,585/mo
▼ 0.25% · 3.875%
HK$733,331
−HK$19,431/mo
Today · 4.125%
HK$752,762
baseline
▲ 0.50% · 4.625%
HK$792,441
+HK$39,679/mo
Deposit HK$15.64M · loan HK$140.77M · min. income ≈ HK$1,505,524/mo (50% DSR)
Upfront cash ≈ HK$25.81M (deposit + AVD stamp duty HK$10,166,398 · Scale 2, in force from 26 Feb 2026)