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$448,552
−HK$28,128/mo
▼ 0.25% · 3.875%
HK$462,505
−HK$14,175/mo
Today · 4.125%
HK$476,680
baseline
▲ 0.50% · 4.625%
HK$505,685
+HK$29,005/mo
Deposit HK$98.36M · loan HK$98.36M · min. income ≈ HK$953,360/mo (50% DSR)
Upfront cash ≈ HK$111.14M (deposit + AVD stamp duty HK$12,786,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$499,010
−HK$26,960/mo
▼ 0.25% · 3.875%
HK$512,393
−HK$13,577/mo
Today · 4.125%
HK$525,970
baseline
▲ 0.50% · 4.625%
HK$553,694
+HK$27,724/mo
Deposit HK$98.36M · loan HK$98.36M · min. income ≈ HK$1,051,940/mo (50% DSR)
Upfront cash ≈ HK$111.14M (deposit + AVD stamp duty HK$12,786,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$538,263
−HK$33,754/mo
▼ 0.25% · 3.875%
HK$555,006
−HK$17,011/mo
Today · 4.125%
HK$572,017
baseline
▲ 0.50% · 4.625%
HK$606,822
+HK$34,805/mo
Deposit HK$78.68M · loan HK$118.03M · min. income ≈ HK$1,144,034/mo (50% DSR)
Upfront cash ≈ HK$91.47M (deposit + AVD stamp duty HK$12,786,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$598,812
−HK$32,352/mo
▼ 0.25% · 3.875%
HK$614,872
−HK$16,292/mo
Today · 4.125%
HK$631,164
baseline
▲ 0.50% · 4.625%
HK$664,433
+HK$33,269/mo
Deposit HK$78.68M · loan HK$118.03M · min. income ≈ HK$1,262,328/mo (50% DSR)
Upfront cash ≈ HK$91.47M (deposit + AVD stamp duty HK$12,786,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$627,973
−HK$39,380/mo
▼ 0.25% · 3.875%
HK$647,507
−HK$19,846/mo
Today · 4.125%
HK$667,353
baseline
▲ 0.50% · 4.625%
HK$707,959
+HK$40,606/mo
Deposit HK$59.01M · loan HK$137.70M · min. income ≈ HK$1,334,706/mo (50% DSR)
Upfront cash ≈ HK$71.80M (deposit + AVD stamp duty HK$12,786,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$698,614
−HK$37,744/mo
▼ 0.25% · 3.875%
HK$717,350
−HK$19,008/mo
Today · 4.125%
HK$736,358
baseline
▲ 0.50% · 4.625%
HK$775,172
+HK$38,814/mo
Deposit HK$59.01M · loan HK$137.70M · min. income ≈ HK$1,472,716/mo (50% DSR)
Upfront cash ≈ HK$71.80M (deposit + AVD stamp duty HK$12,786,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$807,394
−HK$50,631/mo
▼ 0.25% · 3.875%
HK$832,509
−HK$25,516/mo
Today · 4.125%
HK$858,025
baseline
▲ 0.50% · 4.625%
HK$910,234
+HK$52,209/mo
Deposit HK$19.67M · loan HK$177.04M · min. income ≈ HK$1,716,050/mo (50% DSR)
Upfront cash ≈ HK$32.46M (deposit + AVD stamp duty HK$12,786,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$898,218
−HK$48,528/mo
▼ 0.25% · 3.875%
HK$922,307
−HK$24,439/mo
Today · 4.125%
HK$946,746
baseline
▲ 0.50% · 4.625%
HK$996,650
+HK$49,904/mo
Deposit HK$19.67M · loan HK$177.04M · min. income ≈ HK$1,893,492/mo (50% DSR)
Upfront cash ≈ HK$32.46M (deposit + AVD stamp duty HK$12,786,236 · Scale 2, in force from 26 Feb 2026)