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$519,249
−HK$32,562/mo
▼ 0.25% · 3.875%
HK$535,401
−HK$16,410/mo
Today · 4.125%
HK$551,811
baseline
▲ 0.50% · 4.625%
HK$585,387
+HK$33,576/mo
Deposit HK$113.86M · loan HK$113.86M · min. income ≈ HK$1,103,622/mo (50% DSR)
Upfront cash ≈ HK$128.66M (deposit + AVD stamp duty HK$14,801,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$577,660
−HK$31,209/mo
▼ 0.25% · 3.875%
HK$593,152
−HK$15,717/mo
Today · 4.125%
HK$608,869
baseline
▲ 0.50% · 4.625%
HK$640,963
+HK$32,094/mo
Deposit HK$113.86M · loan HK$113.86M · min. income ≈ HK$1,217,738/mo (50% DSR)
Upfront cash ≈ HK$128.66M (deposit + AVD stamp duty HK$14,801,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$623,099
−HK$39,074/mo
▼ 0.25% · 3.875%
HK$642,481
−HK$19,692/mo
Today · 4.125%
HK$662,173
baseline
▲ 0.50% · 4.625%
HK$702,465
+HK$40,292/mo
Deposit HK$91.09M · loan HK$136.63M · min. income ≈ HK$1,324,346/mo (50% DSR)
Upfront cash ≈ HK$105.89M (deposit + AVD stamp duty HK$14,801,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$693,192
−HK$37,451/mo
▼ 0.25% · 3.875%
HK$711,783
−HK$18,860/mo
Today · 4.125%
HK$730,643
baseline
▲ 0.50% · 4.625%
HK$769,156
+HK$38,513/mo
Deposit HK$91.09M · loan HK$136.63M · min. income ≈ HK$1,461,286/mo (50% DSR)
Upfront cash ≈ HK$105.89M (deposit + AVD stamp duty HK$14,801,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$726,949
−HK$45,586/mo
▼ 0.25% · 3.875%
HK$749,561
−HK$22,974/mo
Today · 4.125%
HK$772,535
baseline
▲ 0.50% · 4.625%
HK$819,542
+HK$47,007/mo
Deposit HK$68.31M · loan HK$159.40M · min. income ≈ HK$1,545,070/mo (50% DSR)
Upfront cash ≈ HK$83.12M (deposit + AVD stamp duty HK$14,801,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$808,723
−HK$43,693/mo
▼ 0.25% · 3.875%
HK$830,413
−HK$22,003/mo
Today · 4.125%
HK$852,416
baseline
▲ 0.50% · 4.625%
HK$897,348
+HK$44,932/mo
Deposit HK$68.31M · loan HK$159.40M · min. income ≈ HK$1,704,832/mo (50% DSR)
Upfront cash ≈ HK$83.12M (deposit + AVD stamp duty HK$14,801,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$934,649
−HK$58,610/mo
▼ 0.25% · 3.875%
HK$963,722
−HK$29,537/mo
Today · 4.125%
HK$993,259
baseline
▲ 0.50% · 4.625%
HK$1,053,697
+HK$60,438/mo
Deposit HK$22.77M · loan HK$204.94M · min. income ≈ HK$1,986,518/mo (50% DSR)
Upfront cash ≈ HK$37.57M (deposit + AVD stamp duty HK$14,801,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,039,787
−HK$56,177/mo
▼ 0.25% · 3.875%
HK$1,067,674
−HK$28,290/mo
Today · 4.125%
HK$1,095,964
baseline
▲ 0.50% · 4.625%
HK$1,153,734
+HK$57,770/mo
Deposit HK$22.77M · loan HK$204.94M · min. income ≈ HK$2,191,928/mo (50% DSR)
Upfront cash ≈ HK$37.57M (deposit + AVD stamp duty HK$14,801,495 · Scale 2, in force from 26 Feb 2026)