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$429,166
−HK$26,912/mo
▼ 0.25% · 3.875%
HK$442,515
−HK$13,563/mo
Today · 4.125%
HK$456,078
baseline
▲ 0.50% · 4.625%
HK$483,829
+HK$27,751/mo
Deposit HK$94.10M · loan HK$94.10M · min. income ≈ HK$912,156/mo (50% DSR)
Upfront cash ≈ HK$106.34M (deposit + AVD stamp duty HK$12,233,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$477,442
−HK$25,795/mo
▼ 0.25% · 3.875%
HK$490,247
−HK$12,990/mo
Today · 4.125%
HK$503,237
baseline
▲ 0.50% · 4.625%
HK$529,763
+HK$26,526/mo
Deposit HK$94.10M · loan HK$94.10M · min. income ≈ HK$1,006,474/mo (50% DSR)
Upfront cash ≈ HK$106.34M (deposit + AVD stamp duty HK$12,233,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$514,999
−HK$32,295/mo
▼ 0.25% · 3.875%
HK$531,018
−HK$16,276/mo
Today · 4.125%
HK$547,294
baseline
▲ 0.50% · 4.625%
HK$580,595
+HK$33,301/mo
Deposit HK$75.28M · loan HK$112.93M · min. income ≈ HK$1,094,588/mo (50% DSR)
Upfront cash ≈ HK$87.52M (deposit + AVD stamp duty HK$12,233,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$572,931
−HK$30,954/mo
▼ 0.25% · 3.875%
HK$588,297
−HK$15,588/mo
Today · 4.125%
HK$603,885
baseline
▲ 0.50% · 4.625%
HK$635,716
+HK$31,831/mo
Deposit HK$75.28M · loan HK$112.93M · min. income ≈ HK$1,207,770/mo (50% DSR)
Upfront cash ≈ HK$87.52M (deposit + AVD stamp duty HK$12,233,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$600,832
−HK$37,677/mo
▼ 0.25% · 3.875%
HK$619,521
−HK$18,988/mo
Today · 4.125%
HK$638,509
baseline
▲ 0.50% · 4.625%
HK$677,361
+HK$38,852/mo
Deposit HK$56.46M · loan HK$131.75M · min. income ≈ HK$1,277,018/mo (50% DSR)
Upfront cash ≈ HK$68.70M (deposit + AVD stamp duty HK$12,233,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$668,419
−HK$36,113/mo
▼ 0.25% · 3.875%
HK$686,346
−HK$18,186/mo
Today · 4.125%
HK$704,532
baseline
▲ 0.50% · 4.625%
HK$741,669
+HK$37,137/mo
Deposit HK$56.46M · loan HK$131.75M · min. income ≈ HK$1,409,064/mo (50% DSR)
Upfront cash ≈ HK$68.70M (deposit + AVD stamp duty HK$12,233,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$772,498
−HK$48,442/mo
▼ 0.25% · 3.875%
HK$796,527
−HK$24,413/mo
Today · 4.125%
HK$820,940
baseline
▲ 0.50% · 4.625%
HK$870,893
+HK$49,953/mo
Deposit HK$18.82M · loan HK$169.39M · min. income ≈ HK$1,641,880/mo (50% DSR)
Upfront cash ≈ HK$31.05M (deposit + AVD stamp duty HK$12,233,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$859,396
−HK$46,431/mo
▼ 0.25% · 3.875%
HK$882,445
−HK$23,382/mo
Today · 4.125%
HK$905,827
baseline
▲ 0.50% · 4.625%
HK$953,574
+HK$47,747/mo
Deposit HK$18.82M · loan HK$169.39M · min. income ≈ HK$1,811,654/mo (50% DSR)
Upfront cash ≈ HK$31.05M (deposit + AVD stamp duty HK$12,233,608 · Scale 2, in force from 26 Feb 2026)