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$401,836
−HK$25,199/mo
▼ 0.25% · 3.875%
HK$414,336
−HK$12,699/mo
Today · 4.125%
HK$427,035
baseline
▲ 0.50% · 4.625%
HK$453,019
+HK$25,984/mo
Deposit HK$88.11M · loan HK$88.11M · min. income ≈ HK$854,070/mo (50% DSR)
Upfront cash ≈ HK$99.57M (deposit + AVD stamp duty HK$11,454,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$447,039
−HK$24,152/mo
▼ 0.25% · 3.875%
HK$459,028
−HK$12,163/mo
Today · 4.125%
HK$471,191
baseline
▲ 0.50% · 4.625%
HK$496,028
+HK$24,837/mo
Deposit HK$88.11M · loan HK$88.11M · min. income ≈ HK$942,382/mo (50% DSR)
Upfront cash ≈ HK$99.57M (deposit + AVD stamp duty HK$11,454,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$482,203
−HK$30,239/mo
▼ 0.25% · 3.875%
HK$497,203
−HK$15,239/mo
Today · 4.125%
HK$512,442
baseline
▲ 0.50% · 4.625%
HK$543,623
+HK$31,181/mo
Deposit HK$70.49M · loan HK$105.73M · min. income ≈ HK$1,024,884/mo (50% DSR)
Upfront cash ≈ HK$81.94M (deposit + AVD stamp duty HK$11,454,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$536,446
−HK$28,983/mo
▼ 0.25% · 3.875%
HK$550,834
−HK$14,595/mo
Today · 4.125%
HK$565,429
baseline
▲ 0.50% · 4.625%
HK$595,234
+HK$29,805/mo
Deposit HK$70.49M · loan HK$105.73M · min. income ≈ HK$1,130,858/mo (50% DSR)
Upfront cash ≈ HK$81.94M (deposit + AVD stamp duty HK$11,454,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$562,571
−HK$35,278/mo
▼ 0.25% · 3.875%
HK$580,070
−HK$17,779/mo
Today · 4.125%
HK$597,849
baseline
▲ 0.50% · 4.625%
HK$634,226
+HK$36,377/mo
Deposit HK$52.87M · loan HK$123.36M · min. income ≈ HK$1,195,698/mo (50% DSR)
Upfront cash ≈ HK$64.32M (deposit + AVD stamp duty HK$11,454,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$625,854
−HK$33,813/mo
▼ 0.25% · 3.875%
HK$642,639
−HK$17,028/mo
Today · 4.125%
HK$659,667
baseline
▲ 0.50% · 4.625%
HK$694,439
+HK$34,772/mo
Deposit HK$52.87M · loan HK$123.36M · min. income ≈ HK$1,319,334/mo (50% DSR)
Upfront cash ≈ HK$64.32M (deposit + AVD stamp duty HK$11,454,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$723,305
−HK$45,358/mo
▼ 0.25% · 3.875%
HK$745,804
−HK$22,859/mo
Today · 4.125%
HK$768,663
baseline
▲ 0.50% · 4.625%
HK$815,434
+HK$46,771/mo
Deposit HK$17.62M · loan HK$158.60M · min. income ≈ HK$1,537,326/mo (50% DSR)
Upfront cash ≈ HK$29.08M (deposit + AVD stamp duty HK$11,454,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$804,670
−HK$43,473/mo
▼ 0.25% · 3.875%
HK$826,250
−HK$21,893/mo
Today · 4.125%
HK$848,143
baseline
▲ 0.50% · 4.625%
HK$892,850
+HK$44,707/mo
Deposit HK$17.62M · loan HK$158.60M · min. income ≈ HK$1,696,286/mo (50% DSR)
Upfront cash ≈ HK$29.08M (deposit + AVD stamp duty HK$11,454,568 · Scale 2, in force from 26 Feb 2026)