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$391,659
−HK$24,561/mo
▼ 0.25% · 3.875%
HK$403,842
−HK$12,378/mo
Today · 4.125%
HK$416,220
baseline
▲ 0.50% · 4.625%
HK$441,546
+HK$25,326/mo
Deposit HK$85.88M · loan HK$85.88M · min. income ≈ HK$832,440/mo (50% DSR)
Upfront cash ≈ HK$97.05M (deposit + AVD stamp duty HK$11,164,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$435,717
−HK$23,541/mo
▼ 0.25% · 3.875%
HK$447,403
−HK$11,855/mo
Today · 4.125%
HK$459,258
baseline
▲ 0.50% · 4.625%
HK$483,466
+HK$24,208/mo
Deposit HK$85.88M · loan HK$85.88M · min. income ≈ HK$918,516/mo (50% DSR)
Upfront cash ≈ HK$97.05M (deposit + AVD stamp duty HK$11,164,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$469,991
−HK$29,473/mo
▼ 0.25% · 3.875%
HK$484,611
−HK$14,853/mo
Today · 4.125%
HK$499,464
baseline
▲ 0.50% · 4.625%
HK$529,855
+HK$30,391/mo
Deposit HK$68.70M · loan HK$103.06M · min. income ≈ HK$998,928/mo (50% DSR)
Upfront cash ≈ HK$79.87M (deposit + AVD stamp duty HK$11,164,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$522,861
−HK$28,248/mo
▼ 0.25% · 3.875%
HK$536,883
−HK$14,226/mo
Today · 4.125%
HK$551,109
baseline
▲ 0.50% · 4.625%
HK$580,159
+HK$29,050/mo
Deposit HK$68.70M · loan HK$103.06M · min. income ≈ HK$1,102,218/mo (50% DSR)
Upfront cash ≈ HK$79.87M (deposit + AVD stamp duty HK$11,164,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$548,323
−HK$34,385/mo
▼ 0.25% · 3.875%
HK$565,379
−HK$17,329/mo
Today · 4.125%
HK$582,708
baseline
▲ 0.50% · 4.625%
HK$618,164
+HK$35,456/mo
Deposit HK$51.53M · loan HK$120.23M · min. income ≈ HK$1,165,416/mo (50% DSR)
Upfront cash ≈ HK$62.69M (deposit + AVD stamp duty HK$11,164,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$610,004
−HK$32,957/mo
▼ 0.25% · 3.875%
HK$626,364
−HK$16,597/mo
Today · 4.125%
HK$642,961
baseline
▲ 0.50% · 4.625%
HK$676,852
+HK$33,891/mo
Deposit HK$51.53M · loan HK$120.23M · min. income ≈ HK$1,285,922/mo (50% DSR)
Upfront cash ≈ HK$62.69M (deposit + AVD stamp duty HK$11,164,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$704,987
−HK$44,209/mo
▼ 0.25% · 3.875%
HK$726,916
−HK$22,280/mo
Today · 4.125%
HK$749,196
baseline
▲ 0.50% · 4.625%
HK$794,782
+HK$45,586/mo
Deposit HK$17.18M · loan HK$154.58M · min. income ≈ HK$1,498,392/mo (50% DSR)
Upfront cash ≈ HK$28.34M (deposit + AVD stamp duty HK$11,164,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$784,291
−HK$42,373/mo
▼ 0.25% · 3.875%
HK$805,325
−HK$21,339/mo
Today · 4.125%
HK$826,664
baseline
▲ 0.50% · 4.625%
HK$870,238
+HK$43,574/mo
Deposit HK$17.18M · loan HK$154.58M · min. income ≈ HK$1,653,328/mo (50% DSR)
Upfront cash ≈ HK$28.34M (deposit + AVD stamp duty HK$11,164,472 · Scale 2, in force from 26 Feb 2026)