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$368,353
−HK$23,099/mo
▼ 0.25% · 3.875%
HK$379,810
−HK$11,642/mo
Today · 4.125%
HK$391,452
baseline
▲ 0.50% · 4.625%
HK$415,270
+HK$23,818/mo
Deposit HK$80.77M · loan HK$80.77M · min. income ≈ HK$782,904/mo (50% DSR)
Upfront cash ≈ HK$91.27M (deposit + AVD stamp duty HK$10,500,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$409,789
−HK$22,139/mo
▼ 0.25% · 3.875%
HK$420,779
−HK$11,149/mo
Today · 4.125%
HK$431,928
baseline
▲ 0.50% · 4.625%
HK$454,696
+HK$22,768/mo
Deposit HK$80.77M · loan HK$80.77M · min. income ≈ HK$863,856/mo (50% DSR)
Upfront cash ≈ HK$91.27M (deposit + AVD stamp duty HK$10,500,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$442,023
−HK$27,719/mo
▼ 0.25% · 3.875%
HK$455,773
−HK$13,969/mo
Today · 4.125%
HK$469,742
baseline
▲ 0.50% · 4.625%
HK$498,325
+HK$28,583/mo
Deposit HK$64.62M · loan HK$96.92M · min. income ≈ HK$939,484/mo (50% DSR)
Upfront cash ≈ HK$75.12M (deposit + AVD stamp duty HK$10,500,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$491,746
−HK$26,568/mo
▼ 0.25% · 3.875%
HK$504,935
−HK$13,379/mo
Today · 4.125%
HK$518,314
baseline
▲ 0.50% · 4.625%
HK$545,635
+HK$27,321/mo
Deposit HK$64.62M · loan HK$96.92M · min. income ≈ HK$1,036,628/mo (50% DSR)
Upfront cash ≈ HK$75.12M (deposit + AVD stamp duty HK$10,500,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$515,694
−HK$32,338/mo
▼ 0.25% · 3.875%
HK$531,735
−HK$16,297/mo
Today · 4.125%
HK$548,032
baseline
▲ 0.50% · 4.625%
HK$581,379
+HK$33,347/mo
Deposit HK$48.46M · loan HK$113.08M · min. income ≈ HK$1,096,064/mo (50% DSR)
Upfront cash ≈ HK$58.96M (deposit + AVD stamp duty HK$10,500,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$573,704
−HK$30,995/mo
▼ 0.25% · 3.875%
HK$589,090
−HK$15,609/mo
Today · 4.125%
HK$604,699
baseline
▲ 0.50% · 4.625%
HK$636,574
+HK$31,875/mo
Deposit HK$48.46M · loan HK$113.08M · min. income ≈ HK$1,209,398/mo (50% DSR)
Upfront cash ≈ HK$58.96M (deposit + AVD stamp duty HK$10,500,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$663,035
−HK$41,578/mo
▼ 0.25% · 3.875%
HK$683,659
−HK$20,954/mo
Today · 4.125%
HK$704,613
baseline
▲ 0.50% · 4.625%
HK$747,487
+HK$42,874/mo
Deposit HK$16.15M · loan HK$145.39M · min. income ≈ HK$1,409,226/mo (50% DSR)
Upfront cash ≈ HK$26.65M (deposit + AVD stamp duty HK$10,500,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$737,619
−HK$39,852/mo
▼ 0.25% · 3.875%
HK$757,402
−HK$20,069/mo
Today · 4.125%
HK$777,471
baseline
▲ 0.50% · 4.625%
HK$818,452
+HK$40,981/mo
Deposit HK$16.15M · loan HK$145.39M · min. income ≈ HK$1,554,942/mo (50% DSR)
Upfront cash ≈ HK$26.65M (deposit + AVD stamp duty HK$10,500,099 · Scale 2, in force from 26 Feb 2026)