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$822,611
−HK$51,585/mo
▼ 0.25% · 3.875%
HK$848,199
−HK$25,997/mo
Today · 4.125%
HK$874,196
baseline
▲ 0.50% · 4.625%
HK$927,389
+HK$53,193/mo
Deposit HK$180.38M · loan HK$180.38M · min. income ≈ HK$1,748,392/mo (50% DSR)
Upfront cash ≈ HK$203.83M (deposit + AVD stamp duty HK$23,448,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$915,146
−HK$49,443/mo
▼ 0.25% · 3.875%
HK$939,690
−HK$24,899/mo
Today · 4.125%
HK$964,589
baseline
▲ 0.50% · 4.625%
HK$1,015,434
+HK$50,845/mo
Deposit HK$180.38M · loan HK$180.38M · min. income ≈ HK$1,929,178/mo (50% DSR)
Upfront cash ≈ HK$203.83M (deposit + AVD stamp duty HK$23,448,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$987,133
−HK$61,902/mo
▼ 0.25% · 3.875%
HK$1,017,839
−HK$31,196/mo
Today · 4.125%
HK$1,049,035
baseline
▲ 0.50% · 4.625%
HK$1,112,866
+HK$63,831/mo
Deposit HK$144.30M · loan HK$216.45M · min. income ≈ HK$2,098,070/mo (50% DSR)
Upfront cash ≈ HK$167.75M (deposit + AVD stamp duty HK$23,448,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,098,176
−HK$59,331/mo
▼ 0.25% · 3.875%
HK$1,127,628
−HK$29,879/mo
Today · 4.125%
HK$1,157,507
baseline
▲ 0.50% · 4.625%
HK$1,218,521
+HK$61,014/mo
Deposit HK$144.30M · loan HK$216.45M · min. income ≈ HK$2,315,014/mo (50% DSR)
Upfront cash ≈ HK$167.75M (deposit + AVD stamp duty HK$23,448,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,151,655
−HK$72,219/mo
▼ 0.25% · 3.875%
HK$1,187,478
−HK$36,396/mo
Today · 4.125%
HK$1,223,874
baseline
▲ 0.50% · 4.625%
HK$1,298,344
+HK$74,470/mo
Deposit HK$108.23M · loan HK$252.53M · min. income ≈ HK$2,447,748/mo (50% DSR)
Upfront cash ≈ HK$131.68M (deposit + AVD stamp duty HK$23,448,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,281,205
−HK$69,220/mo
▼ 0.25% · 3.875%
HK$1,315,566
−HK$34,859/mo
Today · 4.125%
HK$1,350,425
baseline
▲ 0.50% · 4.625%
HK$1,421,607
+HK$71,182/mo
Deposit HK$108.23M · loan HK$252.53M · min. income ≈ HK$2,700,850/mo (50% DSR)
Upfront cash ≈ HK$131.68M (deposit + AVD stamp duty HK$23,448,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,480,700
−HK$92,853/mo
▼ 0.25% · 3.875%
HK$1,526,758
−HK$46,795/mo
Today · 4.125%
HK$1,573,553
baseline
▲ 0.50% · 4.625%
HK$1,669,300
+HK$95,747/mo
Deposit HK$36.08M · loan HK$324.68M · min. income ≈ HK$3,147,106/mo (50% DSR)
Upfront cash ≈ HK$59.52M (deposit + AVD stamp duty HK$23,448,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,647,264
−HK$88,996/mo
▼ 0.25% · 3.875%
HK$1,691,442
−HK$44,818/mo
Today · 4.125%
HK$1,736,260
baseline
▲ 0.50% · 4.625%
HK$1,827,781
+HK$91,521/mo
Deposit HK$36.08M · loan HK$324.68M · min. income ≈ HK$3,472,520/mo (50% DSR)
Upfront cash ≈ HK$59.52M (deposit + AVD stamp duty HK$23,448,991 · Scale 2, in force from 26 Feb 2026)