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$381,736
−HK$23,939/mo
▼ 0.25% · 3.875%
HK$393,611
−HK$12,064/mo
Today · 4.125%
HK$405,675
baseline
▲ 0.50% · 4.625%
HK$430,359
+HK$24,684/mo
Deposit HK$83.70M · loan HK$83.70M · min. income ≈ HK$811,350/mo (50% DSR)
Upfront cash ≈ HK$94.59M (deposit + AVD stamp duty HK$10,881,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$424,678
−HK$22,944/mo
▼ 0.25% · 3.875%
HK$436,068
−HK$11,554/mo
Today · 4.125%
HK$447,622
baseline
▲ 0.50% · 4.625%
HK$471,217
+HK$23,595/mo
Deposit HK$83.70M · loan HK$83.70M · min. income ≈ HK$895,244/mo (50% DSR)
Upfront cash ≈ HK$94.59M (deposit + AVD stamp duty HK$10,881,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$458,084
−HK$28,726/mo
▼ 0.25% · 3.875%
HK$472,333
−HK$14,477/mo
Today · 4.125%
HK$486,810
baseline
▲ 0.50% · 4.625%
HK$516,431
+HK$29,621/mo
Deposit HK$66.96M · loan HK$100.45M · min. income ≈ HK$973,620/mo (50% DSR)
Upfront cash ≈ HK$77.85M (deposit + AVD stamp duty HK$10,881,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$509,614
−HK$27,532/mo
▼ 0.25% · 3.875%
HK$523,281
−HK$13,865/mo
Today · 4.125%
HK$537,146
baseline
▲ 0.50% · 4.625%
HK$565,460
+HK$28,314/mo
Deposit HK$66.96M · loan HK$100.45M · min. income ≈ HK$1,074,292/mo (50% DSR)
Upfront cash ≈ HK$77.85M (deposit + AVD stamp duty HK$10,881,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$534,431
−HK$33,514/mo
▼ 0.25% · 3.875%
HK$551,055
−HK$16,890/mo
Today · 4.125%
HK$567,945
baseline
▲ 0.50% · 4.625%
HK$602,503
+HK$34,558/mo
Deposit HK$50.22M · loan HK$117.19M · min. income ≈ HK$1,135,890/mo (50% DSR)
Upfront cash ≈ HK$61.10M (deposit + AVD stamp duty HK$10,881,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$594,549
−HK$32,122/mo
▼ 0.25% · 3.875%
HK$610,495
−HK$16,176/mo
Today · 4.125%
HK$626,671
baseline
▲ 0.50% · 4.625%
HK$659,703
+HK$33,032/mo
Deposit HK$50.22M · loan HK$117.19M · min. income ≈ HK$1,253,342/mo (50% DSR)
Upfront cash ≈ HK$61.10M (deposit + AVD stamp duty HK$10,881,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$687,126
−HK$43,088/mo
▼ 0.25% · 3.875%
HK$708,499
−HK$21,715/mo
Today · 4.125%
HK$730,214
baseline
▲ 0.50% · 4.625%
HK$774,646
+HK$44,432/mo
Deposit HK$16.74M · loan HK$150.67M · min. income ≈ HK$1,460,428/mo (50% DSR)
Upfront cash ≈ HK$27.62M (deposit + AVD stamp duty HK$10,881,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$764,420
−HK$41,300/mo
▼ 0.25% · 3.875%
HK$784,922
−HK$20,798/mo
Today · 4.125%
HK$805,720
baseline
▲ 0.50% · 4.625%
HK$848,190
+HK$42,470/mo
Deposit HK$16.74M · loan HK$150.67M · min. income ≈ HK$1,611,440/mo (50% DSR)
Upfront cash ≈ HK$27.62M (deposit + AVD stamp duty HK$10,881,614 · Scale 2, in force from 26 Feb 2026)