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$744,435
−HK$46,682/mo
▼ 0.25% · 3.875%
HK$767,591
−HK$23,526/mo
Today · 4.125%
HK$791,117
baseline
▲ 0.50% · 4.625%
HK$839,255
+HK$48,138/mo
Deposit HK$163.23M · loan HK$163.23M · min. income ≈ HK$1,582,234/mo (50% DSR)
Upfront cash ≈ HK$184.46M (deposit + AVD stamp duty HK$21,220,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$828,176
−HK$44,744/mo
▼ 0.25% · 3.875%
HK$850,387
−HK$22,533/mo
Today · 4.125%
HK$872,920
baseline
▲ 0.50% · 4.625%
HK$918,933
+HK$46,013/mo
Deposit HK$163.23M · loan HK$163.23M · min. income ≈ HK$1,745,840/mo (50% DSR)
Upfront cash ≈ HK$184.46M (deposit + AVD stamp duty HK$21,220,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$893,322
−HK$56,019/mo
▼ 0.25% · 3.875%
HK$921,109
−HK$28,232/mo
Today · 4.125%
HK$949,341
baseline
▲ 0.50% · 4.625%
HK$1,007,106
+HK$57,765/mo
Deposit HK$130.59M · loan HK$195.88M · min. income ≈ HK$1,898,682/mo (50% DSR)
Upfront cash ≈ HK$151.81M (deposit + AVD stamp duty HK$21,220,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$993,811
−HK$53,693/mo
▼ 0.25% · 3.875%
HK$1,020,465
−HK$27,039/mo
Today · 4.125%
HK$1,047,504
baseline
▲ 0.50% · 4.625%
HK$1,102,719
+HK$55,215/mo
Deposit HK$130.59M · loan HK$195.88M · min. income ≈ HK$2,095,008/mo (50% DSR)
Upfront cash ≈ HK$151.81M (deposit + AVD stamp duty HK$21,220,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,042,209
−HK$65,355/mo
▼ 0.25% · 3.875%
HK$1,074,627
−HK$32,937/mo
Today · 4.125%
HK$1,107,564
baseline
▲ 0.50% · 4.625%
HK$1,174,957
+HK$67,393/mo
Deposit HK$97.94M · loan HK$228.53M · min. income ≈ HK$2,215,128/mo (50% DSR)
Upfront cash ≈ HK$119.16M (deposit + AVD stamp duty HK$21,220,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,159,447
−HK$62,641/mo
▼ 0.25% · 3.875%
HK$1,190,542
−HK$31,546/mo
Today · 4.125%
HK$1,222,088
baseline
▲ 0.50% · 4.625%
HK$1,286,506
+HK$64,418/mo
Deposit HK$97.94M · loan HK$228.53M · min. income ≈ HK$2,444,176/mo (50% DSR)
Upfront cash ≈ HK$119.16M (deposit + AVD stamp duty HK$21,220,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,339,982
−HK$84,029/mo
▼ 0.25% · 3.875%
HK$1,381,663
−HK$42,348/mo
Today · 4.125%
HK$1,424,011
baseline
▲ 0.50% · 4.625%
HK$1,510,659
+HK$86,648/mo
Deposit HK$32.65M · loan HK$293.82M · min. income ≈ HK$2,848,022/mo (50% DSR)
Upfront cash ≈ HK$53.87M (deposit + AVD stamp duty HK$21,220,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,490,717
−HK$80,539/mo
▼ 0.25% · 3.875%
HK$1,530,697
−HK$40,559/mo
Today · 4.125%
HK$1,571,256
baseline
▲ 0.50% · 4.625%
HK$1,654,079
+HK$82,823/mo
Deposit HK$32.65M · loan HK$293.82M · min. income ≈ HK$3,142,512/mo (50% DSR)
Upfront cash ≈ HK$53.87M (deposit + AVD stamp duty HK$21,220,531 · Scale 2, in force from 26 Feb 2026)