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$447,595
−HK$28,068/mo
▼ 0.25% · 3.875%
HK$461,518
−HK$14,145/mo
Today · 4.125%
HK$475,663
baseline
▲ 0.50% · 4.625%
HK$504,606
+HK$28,943/mo
Deposit HK$98.15M · loan HK$98.15M · min. income ≈ HK$951,326/mo (50% DSR)
Upfront cash ≈ HK$110.90M (deposit + AVD stamp duty HK$12,758,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$497,945
−HK$26,902/mo
▼ 0.25% · 3.875%
HK$511,300
−HK$13,547/mo
Today · 4.125%
HK$524,847
baseline
▲ 0.50% · 4.625%
HK$552,513
+HK$27,666/mo
Deposit HK$98.15M · loan HK$98.15M · min. income ≈ HK$1,049,694/mo (50% DSR)
Upfront cash ≈ HK$110.90M (deposit + AVD stamp duty HK$12,758,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$537,114
−HK$33,682/mo
▼ 0.25% · 3.875%
HK$553,821
−HK$16,975/mo
Today · 4.125%
HK$570,796
baseline
▲ 0.50% · 4.625%
HK$605,527
+HK$34,731/mo
Deposit HK$78.52M · loan HK$117.77M · min. income ≈ HK$1,141,592/mo (50% DSR)
Upfront cash ≈ HK$91.28M (deposit + AVD stamp duty HK$12,758,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$597,534
−HK$32,283/mo
▼ 0.25% · 3.875%
HK$613,560
−HK$16,257/mo
Today · 4.125%
HK$629,817
baseline
▲ 0.50% · 4.625%
HK$663,015
+HK$33,198/mo
Deposit HK$78.52M · loan HK$117.77M · min. income ≈ HK$1,259,634/mo (50% DSR)
Upfront cash ≈ HK$91.28M (deposit + AVD stamp duty HK$12,758,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$626,633
−HK$39,295/mo
▼ 0.25% · 3.875%
HK$646,125
−HK$19,803/mo
Today · 4.125%
HK$665,928
baseline
▲ 0.50% · 4.625%
HK$706,449
+HK$40,521/mo
Deposit HK$58.89M · loan HK$137.40M · min. income ≈ HK$1,331,856/mo (50% DSR)
Upfront cash ≈ HK$71.65M (deposit + AVD stamp duty HK$12,758,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$697,123
−HK$37,663/mo
▼ 0.25% · 3.875%
HK$715,819
−HK$18,967/mo
Today · 4.125%
HK$734,786
baseline
▲ 0.50% · 4.625%
HK$773,518
+HK$38,732/mo
Deposit HK$58.89M · loan HK$137.40M · min. income ≈ HK$1,469,572/mo (50% DSR)
Upfront cash ≈ HK$71.65M (deposit + AVD stamp duty HK$12,758,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$805,671
−HK$50,523/mo
▼ 0.25% · 3.875%
HK$830,732
−HK$25,462/mo
Today · 4.125%
HK$856,194
baseline
▲ 0.50% · 4.625%
HK$908,291
+HK$52,097/mo
Deposit HK$19.63M · loan HK$176.66M · min. income ≈ HK$1,712,388/mo (50% DSR)
Upfront cash ≈ HK$32.39M (deposit + AVD stamp duty HK$12,758,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$896,301
−HK$48,424/mo
▼ 0.25% · 3.875%
HK$920,339
−HK$24,386/mo
Today · 4.125%
HK$944,725
baseline
▲ 0.50% · 4.625%
HK$994,523
+HK$49,798/mo
Deposit HK$19.63M · loan HK$176.66M · min. income ≈ HK$1,889,450/mo (50% DSR)
Upfront cash ≈ HK$32.39M (deposit + AVD stamp duty HK$12,758,950 · Scale 2, in force from 26 Feb 2026)