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$424,711
−HK$26,633/mo
▼ 0.25% · 3.875%
HK$437,921
−HK$13,423/mo
Today · 4.125%
HK$451,344
baseline
▲ 0.50% · 4.625%
HK$478,807
+HK$27,463/mo
Deposit HK$93.13M · loan HK$93.13M · min. income ≈ HK$902,688/mo (50% DSR)
Upfront cash ≈ HK$105.23M (deposit + AVD stamp duty HK$12,106,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$472,486
−HK$25,527/mo
▼ 0.25% · 3.875%
HK$485,158
−HK$12,855/mo
Today · 4.125%
HK$498,013
baseline
▲ 0.50% · 4.625%
HK$524,264
+HK$26,251/mo
Deposit HK$93.13M · loan HK$93.13M · min. income ≈ HK$996,026/mo (50% DSR)
Upfront cash ≈ HK$105.23M (deposit + AVD stamp duty HK$12,106,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$509,653
−HK$31,959/mo
▼ 0.25% · 3.875%
HK$525,506
−HK$16,106/mo
Today · 4.125%
HK$541,612
baseline
▲ 0.50% · 4.625%
HK$574,568
+HK$32,956/mo
Deposit HK$74.50M · loan HK$111.75M · min. income ≈ HK$1,083,224/mo (50% DSR)
Upfront cash ≈ HK$86.61M (deposit + AVD stamp duty HK$12,106,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$566,983
−HK$30,633/mo
▼ 0.25% · 3.875%
HK$582,190
−HK$15,426/mo
Today · 4.125%
HK$597,616
baseline
▲ 0.50% · 4.625%
HK$629,117
+HK$31,501/mo
Deposit HK$74.50M · loan HK$111.75M · min. income ≈ HK$1,195,232/mo (50% DSR)
Upfront cash ≈ HK$86.61M (deposit + AVD stamp duty HK$12,106,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$594,595
−HK$37,286/mo
▼ 0.25% · 3.875%
HK$613,090
−HK$18,791/mo
Today · 4.125%
HK$631,881
baseline
▲ 0.50% · 4.625%
HK$670,330
+HK$38,449/mo
Deposit HK$55.88M · loan HK$130.38M · min. income ≈ HK$1,263,762/mo (50% DSR)
Upfront cash ≈ HK$67.98M (deposit + AVD stamp duty HK$12,106,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$661,481
−HK$35,738/mo
▼ 0.25% · 3.875%
HK$679,221
−HK$17,998/mo
Today · 4.125%
HK$697,219
baseline
▲ 0.50% · 4.625%
HK$733,970
+HK$36,751/mo
Deposit HK$55.88M · loan HK$130.38M · min. income ≈ HK$1,394,438/mo (50% DSR)
Upfront cash ≈ HK$67.98M (deposit + AVD stamp duty HK$12,106,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$764,479
−HK$47,940/mo
▼ 0.25% · 3.875%
HK$788,259
−HK$24,160/mo
Today · 4.125%
HK$812,419
baseline
▲ 0.50% · 4.625%
HK$861,852
+HK$49,433/mo
Deposit HK$18.63M · loan HK$167.63M · min. income ≈ HK$1,624,838/mo (50% DSR)
Upfront cash ≈ HK$30.73M (deposit + AVD stamp duty HK$12,106,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$850,475
−HK$45,949/mo
▼ 0.25% · 3.875%
HK$873,285
−HK$23,139/mo
Today · 4.125%
HK$896,424
baseline
▲ 0.50% · 4.625%
HK$943,676
+HK$47,252/mo
Deposit HK$18.63M · loan HK$167.63M · min. income ≈ HK$1,792,848/mo (50% DSR)
Upfront cash ≈ HK$30.73M (deposit + AVD stamp duty HK$12,106,615 · Scale 2, in force from 26 Feb 2026)