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$385,834
−HK$24,196/mo
▼ 0.25% · 3.875%
HK$397,836
−HK$12,194/mo
Today · 4.125%
HK$410,030
baseline
▲ 0.50% · 4.625%
HK$434,979
+HK$24,949/mo
Deposit HK$84.60M · loan HK$84.60M · min. income ≈ HK$820,060/mo (50% DSR)
Upfront cash ≈ HK$95.60M (deposit + AVD stamp duty HK$10,998,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$429,237
−HK$23,190/mo
▼ 0.25% · 3.875%
HK$440,749
−HK$11,678/mo
Today · 4.125%
HK$452,427
baseline
▲ 0.50% · 4.625%
HK$476,275
+HK$23,848/mo
Deposit HK$84.60M · loan HK$84.60M · min. income ≈ HK$904,854/mo (50% DSR)
Upfront cash ≈ HK$95.60M (deposit + AVD stamp duty HK$10,998,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$463,001
−HK$29,035/mo
▼ 0.25% · 3.875%
HK$477,403
−HK$14,633/mo
Today · 4.125%
HK$492,036
baseline
▲ 0.50% · 4.625%
HK$521,975
+HK$29,939/mo
Deposit HK$67.68M · loan HK$101.52M · min. income ≈ HK$984,072/mo (50% DSR)
Upfront cash ≈ HK$78.68M (deposit + AVD stamp duty HK$10,998,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$515,084
−HK$27,829/mo
▼ 0.25% · 3.875%
HK$528,899
−HK$14,014/mo
Today · 4.125%
HK$542,913
baseline
▲ 0.50% · 4.625%
HK$571,530
+HK$28,617/mo
Deposit HK$67.68M · loan HK$101.52M · min. income ≈ HK$1,085,826/mo (50% DSR)
Upfront cash ≈ HK$78.68M (deposit + AVD stamp duty HK$10,998,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$540,168
−HK$33,874/mo
▼ 0.25% · 3.875%
HK$556,971
−HK$17,071/mo
Today · 4.125%
HK$574,042
baseline
▲ 0.50% · 4.625%
HK$608,971
+HK$34,929/mo
Deposit HK$50.76M · loan HK$118.44M · min. income ≈ HK$1,148,084/mo (50% DSR)
Upfront cash ≈ HK$61.76M (deposit + AVD stamp duty HK$10,998,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$600,932
−HK$32,466/mo
▼ 0.25% · 3.875%
HK$617,048
−HK$16,350/mo
Today · 4.125%
HK$633,398
baseline
▲ 0.50% · 4.625%
HK$666,786
+HK$33,388/mo
Deposit HK$50.76M · loan HK$118.44M · min. income ≈ HK$1,266,796/mo (50% DSR)
Upfront cash ≈ HK$61.76M (deposit + AVD stamp duty HK$10,998,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$694,502
−HK$43,551/mo
▼ 0.25% · 3.875%
HK$716,105
−HK$21,948/mo
Today · 4.125%
HK$738,053
baseline
▲ 0.50% · 4.625%
HK$782,962
+HK$44,909/mo
Deposit HK$16.92M · loan HK$152.29M · min. income ≈ HK$1,476,106/mo (50% DSR)
Upfront cash ≈ HK$27.92M (deposit + AVD stamp duty HK$10,998,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$772,627
−HK$41,742/mo
▼ 0.25% · 3.875%
HK$793,348
−HK$21,021/mo
Today · 4.125%
HK$814,369
baseline
▲ 0.50% · 4.625%
HK$857,296
+HK$42,927/mo
Deposit HK$16.92M · loan HK$152.29M · min. income ≈ HK$1,628,738/mo (50% DSR)
Upfront cash ≈ HK$27.92M (deposit + AVD stamp duty HK$10,998,431 · Scale 2, in force from 26 Feb 2026)