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$360,772
−HK$22,623/mo
▼ 0.25% · 3.875%
HK$371,994
−HK$11,401/mo
Today · 4.125%
HK$383,395
baseline
▲ 0.50% · 4.625%
HK$406,724
+HK$23,329/mo
Deposit HK$79.11M · loan HK$79.11M · min. income ≈ HK$766,790/mo (50% DSR)
Upfront cash ≈ HK$89.39M (deposit + AVD stamp duty HK$10,284,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$401,355
−HK$21,684/mo
▼ 0.25% · 3.875%
HK$412,119
−HK$10,920/mo
Today · 4.125%
HK$423,039
baseline
▲ 0.50% · 4.625%
HK$445,338
+HK$22,299/mo
Deposit HK$79.11M · loan HK$79.11M · min. income ≈ HK$846,078/mo (50% DSR)
Upfront cash ≈ HK$89.39M (deposit + AVD stamp duty HK$10,284,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$432,926
−HK$27,148/mo
▼ 0.25% · 3.875%
HK$446,392
−HK$13,682/mo
Today · 4.125%
HK$460,074
baseline
▲ 0.50% · 4.625%
HK$488,069
+HK$27,995/mo
Deposit HK$63.29M · loan HK$94.93M · min. income ≈ HK$920,148/mo (50% DSR)
Upfront cash ≈ HK$73.57M (deposit + AVD stamp duty HK$10,284,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$481,626
−HK$26,021/mo
▼ 0.25% · 3.875%
HK$494,543
−HK$13,104/mo
Today · 4.125%
HK$507,647
baseline
▲ 0.50% · 4.625%
HK$534,405
+HK$26,758/mo
Deposit HK$63.29M · loan HK$94.93M · min. income ≈ HK$1,015,294/mo (50% DSR)
Upfront cash ≈ HK$73.57M (deposit + AVD stamp duty HK$10,284,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$505,080
−HK$31,673/mo
▼ 0.25% · 3.875%
HK$520,791
−HK$15,962/mo
Today · 4.125%
HK$536,753
baseline
▲ 0.50% · 4.625%
HK$569,414
+HK$32,661/mo
Deposit HK$47.46M · loan HK$110.75M · min. income ≈ HK$1,073,506/mo (50% DSR)
Upfront cash ≈ HK$57.75M (deposit + AVD stamp duty HK$10,284,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$561,897
−HK$30,357/mo
▼ 0.25% · 3.875%
HK$576,967
−HK$15,287/mo
Today · 4.125%
HK$592,254
baseline
▲ 0.50% · 4.625%
HK$623,473
+HK$31,219/mo
Deposit HK$47.46M · loan HK$110.75M · min. income ≈ HK$1,184,508/mo (50% DSR)
Upfront cash ≈ HK$57.75M (deposit + AVD stamp duty HK$10,284,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$649,389
−HK$40,722/mo
▼ 0.25% · 3.875%
HK$669,589
−HK$20,522/mo
Today · 4.125%
HK$690,111
baseline
▲ 0.50% · 4.625%
HK$732,103
+HK$41,992/mo
Deposit HK$15.82M · loan HK$142.39M · min. income ≈ HK$1,380,222/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$10,284,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$722,439
−HK$39,031/mo
▼ 0.25% · 3.875%
HK$741,814
−HK$19,656/mo
Today · 4.125%
HK$761,470
baseline
▲ 0.50% · 4.625%
HK$801,608
+HK$40,138/mo
Deposit HK$15.82M · loan HK$142.39M · min. income ≈ HK$1,522,940/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$10,284,001 · Scale 2, in force from 26 Feb 2026)