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$422,487
−HK$26,494/mo
▼ 0.25% · 3.875%
HK$435,629
−HK$13,352/mo
Today · 4.125%
HK$448,981
baseline
▲ 0.50% · 4.625%
HK$476,300
+HK$27,319/mo
Deposit HK$92.64M · loan HK$92.64M · min. income ≈ HK$897,962/mo (50% DSR)
Upfront cash ≈ HK$104.68M (deposit + AVD stamp duty HK$12,043,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$470,013
−HK$25,393/mo
▼ 0.25% · 3.875%
HK$482,618
−HK$12,788/mo
Today · 4.125%
HK$495,406
baseline
▲ 0.50% · 4.625%
HK$521,519
+HK$26,113/mo
Deposit HK$92.64M · loan HK$92.64M · min. income ≈ HK$990,812/mo (50% DSR)
Upfront cash ≈ HK$104.68M (deposit + AVD stamp duty HK$12,043,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$506,984
−HK$31,793/mo
▼ 0.25% · 3.875%
HK$522,754
−HK$16,023/mo
Today · 4.125%
HK$538,777
baseline
▲ 0.50% · 4.625%
HK$571,560
+HK$32,783/mo
Deposit HK$74.11M · loan HK$111.17M · min. income ≈ HK$1,077,554/mo (50% DSR)
Upfront cash ≈ HK$86.16M (deposit + AVD stamp duty HK$12,043,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$564,015
−HK$30,472/mo
▼ 0.25% · 3.875%
HK$579,142
−HK$15,345/mo
Today · 4.125%
HK$594,487
baseline
▲ 0.50% · 4.625%
HK$625,823
+HK$31,336/mo
Deposit HK$74.11M · loan HK$111.17M · min. income ≈ HK$1,188,974/mo (50% DSR)
Upfront cash ≈ HK$86.16M (deposit + AVD stamp duty HK$12,043,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$591,482
−HK$37,091/mo
▼ 0.25% · 3.875%
HK$609,880
−HK$18,693/mo
Today · 4.125%
HK$628,573
baseline
▲ 0.50% · 4.625%
HK$666,820
+HK$38,247/mo
Deposit HK$55.58M · loan HK$129.70M · min. income ≈ HK$1,257,146/mo (50% DSR)
Upfront cash ≈ HK$67.63M (deposit + AVD stamp duty HK$12,043,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$658,018
−HK$35,550/mo
▼ 0.25% · 3.875%
HK$675,665
−HK$17,903/mo
Today · 4.125%
HK$693,568
baseline
▲ 0.50% · 4.625%
HK$730,127
+HK$36,559/mo
Deposit HK$55.58M · loan HK$129.70M · min. income ≈ HK$1,387,136/mo (50% DSR)
Upfront cash ≈ HK$67.63M (deposit + AVD stamp duty HK$12,043,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$760,477
−HK$47,688/mo
▼ 0.25% · 3.875%
HK$784,132
−HK$24,033/mo
Today · 4.125%
HK$808,165
baseline
▲ 0.50% · 4.625%
HK$857,340
+HK$49,175/mo
Deposit HK$18.53M · loan HK$166.75M · min. income ≈ HK$1,616,330/mo (50% DSR)
Upfront cash ≈ HK$30.57M (deposit + AVD stamp duty HK$12,043,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$846,023
−HK$45,707/mo
▼ 0.25% · 3.875%
HK$868,712
−HK$23,018/mo
Today · 4.125%
HK$891,730
baseline
▲ 0.50% · 4.625%
HK$938,735
+HK$47,005/mo
Deposit HK$18.53M · loan HK$166.75M · min. income ≈ HK$1,783,460/mo (50% DSR)
Upfront cash ≈ HK$30.57M (deposit + AVD stamp duty HK$12,043,230 · Scale 2, in force from 26 Feb 2026)