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$472,113
−HK$29,605/mo
▼ 0.25% · 3.875%
HK$486,798
−HK$14,920/mo
Today · 4.125%
HK$501,718
baseline
▲ 0.50% · 4.625%
HK$532,247
+HK$30,529/mo
Deposit HK$103.52M · loan HK$103.52M · min. income ≈ HK$1,003,436/mo (50% DSR)
Upfront cash ≈ HK$116.98M (deposit + AVD stamp duty HK$13,457,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$525,221
−HK$28,376/mo
▼ 0.25% · 3.875%
HK$539,307
−HK$14,290/mo
Today · 4.125%
HK$553,597
baseline
▲ 0.50% · 4.625%
HK$582,778
+HK$29,181/mo
Deposit HK$103.52M · loan HK$103.52M · min. income ≈ HK$1,107,194/mo (50% DSR)
Upfront cash ≈ HK$116.98M (deposit + AVD stamp duty HK$13,457,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$566,535
−HK$35,527/mo
▼ 0.25% · 3.875%
HK$584,158
−HK$17,904/mo
Today · 4.125%
HK$602,062
baseline
▲ 0.50% · 4.625%
HK$638,696
+HK$36,634/mo
Deposit HK$82.82M · loan HK$124.23M · min. income ≈ HK$1,204,124/mo (50% DSR)
Upfront cash ≈ HK$96.28M (deposit + AVD stamp duty HK$13,457,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$630,265
−HK$34,051/mo
▼ 0.25% · 3.875%
HK$647,168
−HK$17,148/mo
Today · 4.125%
HK$664,316
baseline
▲ 0.50% · 4.625%
HK$699,333
+HK$35,017/mo
Deposit HK$82.82M · loan HK$124.23M · min. income ≈ HK$1,328,632/mo (50% DSR)
Upfront cash ≈ HK$96.28M (deposit + AVD stamp duty HK$13,457,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$660,958
−HK$41,448/mo
▼ 0.25% · 3.875%
HK$681,517
−HK$20,889/mo
Today · 4.125%
HK$702,406
baseline
▲ 0.50% · 4.625%
HK$745,145
+HK$42,739/mo
Deposit HK$62.11M · loan HK$144.93M · min. income ≈ HK$1,404,812/mo (50% DSR)
Upfront cash ≈ HK$75.57M (deposit + AVD stamp duty HK$13,457,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$735,309
−HK$39,726/mo
▼ 0.25% · 3.875%
HK$755,029
−HK$20,006/mo
Today · 4.125%
HK$775,035
baseline
▲ 0.50% · 4.625%
HK$815,889
+HK$40,854/mo
Deposit HK$62.11M · loan HK$144.93M · min. income ≈ HK$1,550,070/mo (50% DSR)
Upfront cash ≈ HK$75.57M (deposit + AVD stamp duty HK$13,457,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$849,803
−HK$53,290/mo
▼ 0.25% · 3.875%
HK$876,237
−HK$26,856/mo
Today · 4.125%
HK$903,093
baseline
▲ 0.50% · 4.625%
HK$958,044
+HK$54,951/mo
Deposit HK$20.70M · loan HK$186.34M · min. income ≈ HK$1,806,186/mo (50% DSR)
Upfront cash ≈ HK$34.16M (deposit + AVD stamp duty HK$13,457,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$945,397
−HK$51,077/mo
▼ 0.25% · 3.875%
HK$970,752
−HK$25,722/mo
Today · 4.125%
HK$996,474
baseline
▲ 0.50% · 4.625%
HK$1,049,000
+HK$52,526/mo
Deposit HK$20.70M · loan HK$186.34M · min. income ≈ HK$1,992,948/mo (50% DSR)
Upfront cash ≈ HK$34.16M (deposit + AVD stamp duty HK$13,457,840 · Scale 2, in force from 26 Feb 2026)