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$418,876
−HK$26,268/mo
▼ 0.25% · 3.875%
HK$431,906
−HK$13,238/mo
Today · 4.125%
HK$445,144
baseline
▲ 0.50% · 4.625%
HK$472,229
+HK$27,085/mo
Deposit HK$91.85M · loan HK$91.85M · min. income ≈ HK$890,288/mo (50% DSR)
Upfront cash ≈ HK$103.79M (deposit + AVD stamp duty HK$11,940,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$465,996
−HK$25,176/mo
▼ 0.25% · 3.875%
HK$478,493
−HK$12,679/mo
Today · 4.125%
HK$491,172
baseline
▲ 0.50% · 4.625%
HK$517,062
+HK$25,890/mo
Deposit HK$91.85M · loan HK$91.85M · min. income ≈ HK$982,344/mo (50% DSR)
Upfront cash ≈ HK$103.79M (deposit + AVD stamp duty HK$11,940,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$502,652
−HK$31,520/mo
▼ 0.25% · 3.875%
HK$518,287
−HK$15,885/mo
Today · 4.125%
HK$534,172
baseline
▲ 0.50% · 4.625%
HK$566,675
+HK$32,503/mo
Deposit HK$73.48M · loan HK$110.22M · min. income ≈ HK$1,068,344/mo (50% DSR)
Upfront cash ≈ HK$85.42M (deposit + AVD stamp duty HK$11,940,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$559,195
−HK$30,211/mo
▼ 0.25% · 3.875%
HK$574,192
−HK$15,214/mo
Today · 4.125%
HK$589,406
baseline
▲ 0.50% · 4.625%
HK$620,475
+HK$31,069/mo
Deposit HK$73.48M · loan HK$110.22M · min. income ≈ HK$1,178,812/mo (50% DSR)
Upfront cash ≈ HK$85.42M (deposit + AVD stamp duty HK$11,940,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$586,427
−HK$36,774/mo
▼ 0.25% · 3.875%
HK$604,668
−HK$18,533/mo
Today · 4.125%
HK$623,201
baseline
▲ 0.50% · 4.625%
HK$661,121
+HK$37,920/mo
Deposit HK$55.11M · loan HK$128.59M · min. income ≈ HK$1,246,402/mo (50% DSR)
Upfront cash ≈ HK$67.05M (deposit + AVD stamp duty HK$11,940,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$652,394
−HK$35,247/mo
▼ 0.25% · 3.875%
HK$669,891
−HK$17,750/mo
Today · 4.125%
HK$687,641
baseline
▲ 0.50% · 4.625%
HK$723,887
+HK$36,246/mo
Deposit HK$55.11M · loan HK$128.59M · min. income ≈ HK$1,375,282/mo (50% DSR)
Upfront cash ≈ HK$67.05M (deposit + AVD stamp duty HK$11,940,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$753,977
−HK$47,281/mo
▼ 0.25% · 3.875%
HK$777,430
−HK$23,828/mo
Today · 4.125%
HK$801,258
baseline
▲ 0.50% · 4.625%
HK$850,013
+HK$48,755/mo
Deposit HK$18.37M · loan HK$165.33M · min. income ≈ HK$1,602,516/mo (50% DSR)
Upfront cash ≈ HK$30.31M (deposit + AVD stamp duty HK$11,940,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$838,792
−HK$45,318/mo
▼ 0.25% · 3.875%
HK$861,288
−HK$22,822/mo
Today · 4.125%
HK$884,110
baseline
▲ 0.50% · 4.625%
HK$930,712
+HK$46,602/mo
Deposit HK$18.37M · loan HK$165.33M · min. income ≈ HK$1,768,220/mo (50% DSR)
Upfront cash ≈ HK$30.31M (deposit + AVD stamp duty HK$11,940,307 · Scale 2, in force from 26 Feb 2026)