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$468,509
−HK$29,379/mo
▼ 0.25% · 3.875%
HK$483,082
−HK$14,806/mo
Today · 4.125%
HK$497,888
baseline
▲ 0.50% · 4.625%
HK$528,184
+HK$30,296/mo
Deposit HK$102.73M · loan HK$102.73M · min. income ≈ HK$995,776/mo (50% DSR)
Upfront cash ≈ HK$116.09M (deposit + AVD stamp duty HK$13,355,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$521,211
−HK$28,160/mo
▼ 0.25% · 3.875%
HK$535,190
−HK$14,181/mo
Today · 4.125%
HK$549,371
baseline
▲ 0.50% · 4.625%
HK$578,329
+HK$28,958/mo
Deposit HK$102.73M · loan HK$102.73M · min. income ≈ HK$1,098,742/mo (50% DSR)
Upfront cash ≈ HK$116.09M (deposit + AVD stamp duty HK$13,355,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$562,210
−HK$35,256/mo
▼ 0.25% · 3.875%
HK$579,698
−HK$17,768/mo
Today · 4.125%
HK$597,466
baseline
▲ 0.50% · 4.625%
HK$633,820
+HK$36,354/mo
Deposit HK$82.19M · loan HK$123.28M · min. income ≈ HK$1,194,932/mo (50% DSR)
Upfront cash ≈ HK$95.54M (deposit + AVD stamp duty HK$13,355,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$625,453
−HK$33,792/mo
▼ 0.25% · 3.875%
HK$642,228
−HK$17,017/mo
Today · 4.125%
HK$659,245
baseline
▲ 0.50% · 4.625%
HK$693,994
+HK$34,749/mo
Deposit HK$82.19M · loan HK$123.28M · min. income ≈ HK$1,318,490/mo (50% DSR)
Upfront cash ≈ HK$95.54M (deposit + AVD stamp duty HK$13,355,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$655,912
−HK$41,132/mo
▼ 0.25% · 3.875%
HK$676,315
−HK$20,729/mo
Today · 4.125%
HK$697,044
baseline
▲ 0.50% · 4.625%
HK$739,457
+HK$42,413/mo
Deposit HK$61.64M · loan HK$143.82M · min. income ≈ HK$1,394,088/mo (50% DSR)
Upfront cash ≈ HK$74.99M (deposit + AVD stamp duty HK$13,355,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$729,696
−HK$39,423/mo
▼ 0.25% · 3.875%
HK$749,266
−HK$19,853/mo
Today · 4.125%
HK$769,119
baseline
▲ 0.50% · 4.625%
HK$809,660
+HK$40,541/mo
Deposit HK$61.64M · loan HK$143.82M · min. income ≈ HK$1,538,238/mo (50% DSR)
Upfront cash ≈ HK$74.99M (deposit + AVD stamp duty HK$13,355,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$843,316
−HK$52,883/mo
▼ 0.25% · 3.875%
HK$869,547
−HK$26,652/mo
Today · 4.125%
HK$896,199
baseline
▲ 0.50% · 4.625%
HK$950,730
+HK$54,531/mo
Deposit HK$20.55M · loan HK$184.92M · min. income ≈ HK$1,792,398/mo (50% DSR)
Upfront cash ≈ HK$33.90M (deposit + AVD stamp duty HK$13,355,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$938,180
−HK$50,687/mo
▼ 0.25% · 3.875%
HK$963,342
−HK$25,525/mo
Today · 4.125%
HK$988,867
baseline
▲ 0.50% · 4.625%
HK$1,040,992
+HK$52,125/mo
Deposit HK$20.55M · loan HK$184.92M · min. income ≈ HK$1,977,734/mo (50% DSR)
Upfront cash ≈ HK$33.90M (deposit + AVD stamp duty HK$13,355,104 · Scale 2, in force from 26 Feb 2026)