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$367,202
−HK$23,027/mo
▼ 0.25% · 3.875%
HK$378,624
−HK$11,605/mo
Today · 4.125%
HK$390,229
baseline
▲ 0.50% · 4.625%
HK$413,973
+HK$23,744/mo
Deposit HK$80.52M · loan HK$80.52M · min. income ≈ HK$780,458/mo (50% DSR)
Upfront cash ≈ HK$90.98M (deposit + AVD stamp duty HK$10,467,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$408,508
−HK$22,071/mo
▼ 0.25% · 3.875%
HK$419,464
−HK$11,115/mo
Today · 4.125%
HK$430,579
baseline
▲ 0.50% · 4.625%
HK$453,275
+HK$22,696/mo
Deposit HK$80.52M · loan HK$80.52M · min. income ≈ HK$861,158/mo (50% DSR)
Upfront cash ≈ HK$90.98M (deposit + AVD stamp duty HK$10,467,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$440,642
−HK$27,632/mo
▼ 0.25% · 3.875%
HK$454,349
−HK$13,925/mo
Today · 4.125%
HK$468,274
baseline
▲ 0.50% · 4.625%
HK$496,768
+HK$28,494/mo
Deposit HK$64.41M · loan HK$96.62M · min. income ≈ HK$936,548/mo (50% DSR)
Upfront cash ≈ HK$74.88M (deposit + AVD stamp duty HK$10,467,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$490,210
−HK$26,484/mo
▼ 0.25% · 3.875%
HK$503,357
−HK$13,337/mo
Today · 4.125%
HK$516,694
baseline
▲ 0.50% · 4.625%
HK$543,930
+HK$27,236/mo
Deposit HK$64.41M · loan HK$96.62M · min. income ≈ HK$1,033,388/mo (50% DSR)
Upfront cash ≈ HK$74.88M (deposit + AVD stamp duty HK$10,467,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$514,082
−HK$32,238/mo
▼ 0.25% · 3.875%
HK$530,073
−HK$16,247/mo
Today · 4.125%
HK$546,320
baseline
▲ 0.50% · 4.625%
HK$579,562
+HK$33,242/mo
Deposit HK$48.31M · loan HK$112.72M · min. income ≈ HK$1,092,640/mo (50% DSR)
Upfront cash ≈ HK$58.78M (deposit + AVD stamp duty HK$10,467,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$571,912
−HK$30,898/mo
▼ 0.25% · 3.875%
HK$587,250
−HK$15,560/mo
Today · 4.125%
HK$602,810
baseline
▲ 0.50% · 4.625%
HK$634,585
+HK$31,775/mo
Deposit HK$48.31M · loan HK$112.72M · min. income ≈ HK$1,205,620/mo (50% DSR)
Upfront cash ≈ HK$58.78M (deposit + AVD stamp duty HK$10,467,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$660,963
−HK$41,448/mo
▼ 0.25% · 3.875%
HK$681,523
−HK$20,888/mo
Today · 4.125%
HK$702,411
baseline
▲ 0.50% · 4.625%
HK$745,151
+HK$42,740/mo
Deposit HK$16.10M · loan HK$144.93M · min. income ≈ HK$1,404,822/mo (50% DSR)
Upfront cash ≈ HK$26.57M (deposit + AVD stamp duty HK$10,467,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$735,315
−HK$39,727/mo
▼ 0.25% · 3.875%
HK$755,036
−HK$20,006/mo
Today · 4.125%
HK$775,042
baseline
▲ 0.50% · 4.625%
HK$815,895
+HK$40,853/mo
Deposit HK$16.10M · loan HK$144.93M · min. income ≈ HK$1,550,084/mo (50% DSR)
Upfront cash ≈ HK$26.57M (deposit + AVD stamp duty HK$10,467,293 · Scale 2, in force from 26 Feb 2026)