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$350,966
−HK$22,009/mo
▼ 0.25% · 3.875%
HK$361,883
−HK$11,092/mo
Today · 4.125%
HK$372,975
baseline
▲ 0.50% · 4.625%
HK$395,670
+HK$22,695/mo
Deposit HK$76.96M · loan HK$76.96M · min. income ≈ HK$745,950/mo (50% DSR)
Upfront cash ≈ HK$86.96M (deposit + AVD stamp duty HK$10,004,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$390,447
−HK$21,094/mo
▼ 0.25% · 3.875%
HK$400,918
−HK$10,623/mo
Today · 4.125%
HK$411,541
baseline
▲ 0.50% · 4.625%
HK$433,234
+HK$21,693/mo
Deposit HK$76.96M · loan HK$76.96M · min. income ≈ HK$823,082/mo (50% DSR)
Upfront cash ≈ HK$86.96M (deposit + AVD stamp duty HK$10,004,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$421,160
−HK$26,410/mo
▼ 0.25% · 3.875%
HK$434,260
−HK$13,310/mo
Today · 4.125%
HK$447,570
baseline
▲ 0.50% · 4.625%
HK$474,804
+HK$27,234/mo
Deposit HK$61.57M · loan HK$92.35M · min. income ≈ HK$895,140/mo (50% DSR)
Upfront cash ≈ HK$71.57M (deposit + AVD stamp duty HK$10,004,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$468,536
−HK$25,314/mo
▼ 0.25% · 3.875%
HK$481,102
−HK$12,748/mo
Today · 4.125%
HK$493,850
baseline
▲ 0.50% · 4.625%
HK$519,881
+HK$26,031/mo
Deposit HK$61.57M · loan HK$92.35M · min. income ≈ HK$987,700/mo (50% DSR)
Upfront cash ≈ HK$71.57M (deposit + AVD stamp duty HK$10,004,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$491,353
−HK$30,812/mo
▼ 0.25% · 3.875%
HK$506,637
−HK$15,528/mo
Today · 4.125%
HK$522,165
baseline
▲ 0.50% · 4.625%
HK$553,938
+HK$31,773/mo
Deposit HK$46.17M · loan HK$107.74M · min. income ≈ HK$1,044,330/mo (50% DSR)
Upfront cash ≈ HK$56.18M (deposit + AVD stamp duty HK$10,004,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$546,625
−HK$29,533/mo
▼ 0.25% · 3.875%
HK$561,285
−HK$14,873/mo
Today · 4.125%
HK$576,158
baseline
▲ 0.50% · 4.625%
HK$606,528
+HK$30,370/mo
Deposit HK$46.17M · loan HK$107.74M · min. income ≈ HK$1,152,316/mo (50% DSR)
Upfront cash ≈ HK$56.18M (deposit + AVD stamp duty HK$10,004,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$631,740
−HK$39,615/mo
▼ 0.25% · 3.875%
HK$651,390
−HK$19,965/mo
Today · 4.125%
HK$671,355
baseline
▲ 0.50% · 4.625%
HK$712,206
+HK$40,851/mo
Deposit HK$15.39M · loan HK$138.52M · min. income ≈ HK$1,342,710/mo (50% DSR)
Upfront cash ≈ HK$25.40M (deposit + AVD stamp duty HK$10,004,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$702,804
−HK$37,970/mo
▼ 0.25% · 3.875%
HK$721,653
−HK$19,121/mo
Today · 4.125%
HK$740,774
baseline
▲ 0.50% · 4.625%
HK$779,821
+HK$39,047/mo
Deposit HK$15.39M · loan HK$138.52M · min. income ≈ HK$1,481,548/mo (50% DSR)
Upfront cash ≈ HK$25.40M (deposit + AVD stamp duty HK$10,004,497 · Scale 2, in force from 26 Feb 2026)