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$418,091
−HK$26,218/mo
▼ 0.25% · 3.875%
HK$431,096
−HK$13,213/mo
Today · 4.125%
HK$444,309
baseline
▲ 0.50% · 4.625%
HK$471,344
+HK$27,035/mo
Deposit HK$91.68M · loan HK$91.68M · min. income ≈ HK$888,618/mo (50% DSR)
Upfront cash ≈ HK$103.59M (deposit + AVD stamp duty HK$11,917,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$465,122
−HK$25,129/mo
▼ 0.25% · 3.875%
HK$477,596
−HK$12,655/mo
Today · 4.125%
HK$490,251
baseline
▲ 0.50% · 4.625%
HK$516,093
+HK$25,842/mo
Deposit HK$91.68M · loan HK$91.68M · min. income ≈ HK$980,502/mo (50% DSR)
Upfront cash ≈ HK$103.59M (deposit + AVD stamp duty HK$11,917,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$501,709
−HK$31,462/mo
▼ 0.25% · 3.875%
HK$517,315
−HK$15,856/mo
Today · 4.125%
HK$533,171
baseline
▲ 0.50% · 4.625%
HK$565,613
+HK$32,442/mo
Deposit HK$73.34M · loan HK$110.01M · min. income ≈ HK$1,066,342/mo (50% DSR)
Upfront cash ≈ HK$85.26M (deposit + AVD stamp duty HK$11,917,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$558,147
−HK$30,154/mo
▼ 0.25% · 3.875%
HK$573,116
−HK$15,185/mo
Today · 4.125%
HK$588,301
baseline
▲ 0.50% · 4.625%
HK$619,312
+HK$31,011/mo
Deposit HK$73.34M · loan HK$110.01M · min. income ≈ HK$1,176,602/mo (50% DSR)
Upfront cash ≈ HK$85.26M (deposit + AVD stamp duty HK$11,917,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$585,327
−HK$36,706/mo
▼ 0.25% · 3.875%
HK$603,534
−HK$18,499/mo
Today · 4.125%
HK$622,033
baseline
▲ 0.50% · 4.625%
HK$659,882
+HK$37,849/mo
Deposit HK$55.01M · loan HK$128.35M · min. income ≈ HK$1,244,066/mo (50% DSR)
Upfront cash ≈ HK$66.92M (deposit + AVD stamp duty HK$11,917,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$651,171
−HK$35,181/mo
▼ 0.25% · 3.875%
HK$668,635
−HK$17,717/mo
Today · 4.125%
HK$686,352
baseline
▲ 0.50% · 4.625%
HK$722,530
+HK$36,178/mo
Deposit HK$55.01M · loan HK$128.35M · min. income ≈ HK$1,372,704/mo (50% DSR)
Upfront cash ≈ HK$66.92M (deposit + AVD stamp duty HK$11,917,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$752,564
−HK$47,192/mo
▼ 0.25% · 3.875%
HK$775,973
−HK$23,783/mo
Today · 4.125%
HK$799,756
baseline
▲ 0.50% · 4.625%
HK$848,420
+HK$48,664/mo
Deposit HK$18.34M · loan HK$165.02M · min. income ≈ HK$1,599,512/mo (50% DSR)
Upfront cash ≈ HK$30.25M (deposit + AVD stamp duty HK$11,917,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$837,220
−HK$45,232/mo
▼ 0.25% · 3.875%
HK$859,674
−HK$22,778/mo
Today · 4.125%
HK$882,452
baseline
▲ 0.50% · 4.625%
HK$928,967
+HK$46,515/mo
Deposit HK$18.34M · loan HK$165.02M · min. income ≈ HK$1,764,904/mo (50% DSR)
Upfront cash ≈ HK$30.25M (deposit + AVD stamp duty HK$11,917,922 · Scale 2, in force from 26 Feb 2026)