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$379,221
−HK$23,781/mo
▼ 0.25% · 3.875%
HK$391,017
−HK$11,985/mo
Today · 4.125%
HK$403,002
baseline
▲ 0.50% · 4.625%
HK$427,523
+HK$24,521/mo
Deposit HK$83.15M · loan HK$83.15M · min. income ≈ HK$806,004/mo (50% DSR)
Upfront cash ≈ HK$93.96M (deposit + AVD stamp duty HK$10,809,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$421,880
−HK$22,792/mo
▼ 0.25% · 3.875%
HK$433,194
−HK$11,478/mo
Today · 4.125%
HK$444,672
baseline
▲ 0.50% · 4.625%
HK$468,112
+HK$23,440/mo
Deposit HK$83.15M · loan HK$83.15M · min. income ≈ HK$889,344/mo (50% DSR)
Upfront cash ≈ HK$93.96M (deposit + AVD stamp duty HK$10,809,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$455,065
−HK$28,537/mo
▼ 0.25% · 3.875%
HK$469,220
−HK$14,382/mo
Today · 4.125%
HK$483,602
baseline
▲ 0.50% · 4.625%
HK$513,028
+HK$29,426/mo
Deposit HK$66.52M · loan HK$99.78M · min. income ≈ HK$967,204/mo (50% DSR)
Upfront cash ≈ HK$77.33M (deposit + AVD stamp duty HK$10,809,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$506,256
−HK$27,351/mo
▼ 0.25% · 3.875%
HK$519,833
−HK$13,774/mo
Today · 4.125%
HK$533,607
baseline
▲ 0.50% · 4.625%
HK$561,734
+HK$28,127/mo
Deposit HK$66.52M · loan HK$99.78M · min. income ≈ HK$1,067,214/mo (50% DSR)
Upfront cash ≈ HK$77.33M (deposit + AVD stamp duty HK$10,809,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$530,910
−HK$33,292/mo
▼ 0.25% · 3.875%
HK$547,424
−HK$16,778/mo
Today · 4.125%
HK$564,202
baseline
▲ 0.50% · 4.625%
HK$598,533
+HK$34,331/mo
Deposit HK$49.89M · loan HK$116.41M · min. income ≈ HK$1,128,404/mo (50% DSR)
Upfront cash ≈ HK$60.70M (deposit + AVD stamp duty HK$10,809,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$590,632
−HK$31,909/mo
▼ 0.25% · 3.875%
HK$606,472
−HK$16,069/mo
Today · 4.125%
HK$622,541
baseline
▲ 0.50% · 4.625%
HK$655,357
+HK$32,816/mo
Deposit HK$49.89M · loan HK$116.41M · min. income ≈ HK$1,245,082/mo (50% DSR)
Upfront cash ≈ HK$60.70M (deposit + AVD stamp duty HK$10,809,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$682,598
−HK$42,805/mo
▼ 0.25% · 3.875%
HK$703,831
−HK$21,572/mo
Today · 4.125%
HK$725,403
baseline
▲ 0.50% · 4.625%
HK$769,542
+HK$44,139/mo
Deposit HK$16.63M · loan HK$149.68M · min. income ≈ HK$1,450,806/mo (50% DSR)
Upfront cash ≈ HK$27.44M (deposit + AVD stamp duty HK$10,809,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$759,383
−HK$41,027/mo
▼ 0.25% · 3.875%
HK$779,750
−HK$20,660/mo
Today · 4.125%
HK$800,410
baseline
▲ 0.50% · 4.625%
HK$842,601
+HK$42,191/mo
Deposit HK$16.63M · loan HK$149.68M · min. income ≈ HK$1,600,820/mo (50% DSR)
Upfront cash ≈ HK$27.44M (deposit + AVD stamp duty HK$10,809,912 · Scale 2, in force from 26 Feb 2026)