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$442,136
−HK$27,726/mo
▼ 0.25% · 3.875%
HK$455,889
−HK$13,973/mo
Today · 4.125%
HK$469,862
baseline
▲ 0.50% · 4.625%
HK$498,452
+HK$28,590/mo
Deposit HK$96.95M · loan HK$96.95M · min. income ≈ HK$939,724/mo (50% DSR)
Upfront cash ≈ HK$109.55M (deposit + AVD stamp duty HK$12,603,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$491,872
−HK$26,574/mo
▼ 0.25% · 3.875%
HK$505,064
−HK$13,382/mo
Today · 4.125%
HK$518,446
baseline
▲ 0.50% · 4.625%
HK$545,775
+HK$27,329/mo
Deposit HK$96.95M · loan HK$96.95M · min. income ≈ HK$1,036,892/mo (50% DSR)
Upfront cash ≈ HK$109.55M (deposit + AVD stamp duty HK$12,603,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$530,564
−HK$33,271/mo
▼ 0.25% · 3.875%
HK$547,067
−HK$16,768/mo
Today · 4.125%
HK$563,835
baseline
▲ 0.50% · 4.625%
HK$598,143
+HK$34,308/mo
Deposit HK$77.56M · loan HK$116.34M · min. income ≈ HK$1,127,670/mo (50% DSR)
Upfront cash ≈ HK$90.16M (deposit + AVD stamp duty HK$12,603,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$590,247
−HK$31,889/mo
▼ 0.25% · 3.875%
HK$606,077
−HK$16,059/mo
Today · 4.125%
HK$622,136
baseline
▲ 0.50% · 4.625%
HK$654,929
+HK$32,793/mo
Deposit HK$77.56M · loan HK$116.34M · min. income ≈ HK$1,244,272/mo (50% DSR)
Upfront cash ≈ HK$90.16M (deposit + AVD stamp duty HK$12,603,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$618,991
−HK$38,816/mo
▼ 0.25% · 3.875%
HK$638,245
−HK$19,562/mo
Today · 4.125%
HK$657,807
baseline
▲ 0.50% · 4.625%
HK$697,833
+HK$40,026/mo
Deposit HK$58.17M · loan HK$135.73M · min. income ≈ HK$1,315,614/mo (50% DSR)
Upfront cash ≈ HK$70.77M (deposit + AVD stamp duty HK$12,603,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$688,621
−HK$37,204/mo
▼ 0.25% · 3.875%
HK$707,089
−HK$18,736/mo
Today · 4.125%
HK$725,825
baseline
▲ 0.50% · 4.625%
HK$764,084
+HK$38,259/mo
Deposit HK$58.17M · loan HK$135.73M · min. income ≈ HK$1,451,650/mo (50% DSR)
Upfront cash ≈ HK$70.77M (deposit + AVD stamp duty HK$12,603,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$795,845
−HK$49,907/mo
▼ 0.25% · 3.875%
HK$820,601
−HK$25,151/mo
Today · 4.125%
HK$845,752
baseline
▲ 0.50% · 4.625%
HK$897,214
+HK$51,462/mo
Deposit HK$19.39M · loan HK$174.51M · min. income ≈ HK$1,691,504/mo (50% DSR)
Upfront cash ≈ HK$31.99M (deposit + AVD stamp duty HK$12,603,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$885,370
−HK$47,834/mo
▼ 0.25% · 3.875%
HK$909,115
−HK$24,089/mo
Today · 4.125%
HK$933,204
baseline
▲ 0.50% · 4.625%
HK$982,394
+HK$49,190/mo
Deposit HK$19.39M · loan HK$174.51M · min. income ≈ HK$1,866,408/mo (50% DSR)
Upfront cash ≈ HK$31.99M (deposit + AVD stamp duty HK$12,603,345 · Scale 2, in force from 26 Feb 2026)