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$418,317
−HK$26,232/mo
▼ 0.25% · 3.875%
HK$431,329
−HK$13,220/mo
Today · 4.125%
HK$444,549
baseline
▲ 0.50% · 4.625%
HK$471,599
+HK$27,050/mo
Deposit HK$91.73M · loan HK$91.73M · min. income ≈ HK$889,098/mo (50% DSR)
Upfront cash ≈ HK$103.65M (deposit + AVD stamp duty HK$11,924,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$465,373
−HK$25,143/mo
▼ 0.25% · 3.875%
HK$477,854
−HK$12,662/mo
Today · 4.125%
HK$490,516
baseline
▲ 0.50% · 4.625%
HK$516,372
+HK$25,856/mo
Deposit HK$91.73M · loan HK$91.73M · min. income ≈ HK$981,032/mo (50% DSR)
Upfront cash ≈ HK$103.65M (deposit + AVD stamp duty HK$11,924,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$501,980
−HK$31,479/mo
▼ 0.25% · 3.875%
HK$517,595
−HK$15,864/mo
Today · 4.125%
HK$533,459
baseline
▲ 0.50% · 4.625%
HK$565,918
+HK$32,459/mo
Deposit HK$73.38M · loan HK$110.07M · min. income ≈ HK$1,066,918/mo (50% DSR)
Upfront cash ≈ HK$85.31M (deposit + AVD stamp duty HK$11,924,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$558,448
−HK$30,171/mo
▼ 0.25% · 3.875%
HK$573,425
−HK$15,194/mo
Today · 4.125%
HK$588,619
baseline
▲ 0.50% · 4.625%
HK$619,646
+HK$31,027/mo
Deposit HK$73.38M · loan HK$110.07M · min. income ≈ HK$1,177,238/mo (50% DSR)
Upfront cash ≈ HK$85.31M (deposit + AVD stamp duty HK$11,924,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$585,644
−HK$36,725/mo
▼ 0.25% · 3.875%
HK$603,860
−HK$18,509/mo
Today · 4.125%
HK$622,369
baseline
▲ 0.50% · 4.625%
HK$660,238
+HK$37,869/mo
Deposit HK$55.04M · loan HK$128.42M · min. income ≈ HK$1,244,738/mo (50% DSR)
Upfront cash ≈ HK$66.96M (deposit + AVD stamp duty HK$11,924,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$651,523
−HK$35,199/mo
▼ 0.25% · 3.875%
HK$668,996
−HK$17,726/mo
Today · 4.125%
HK$686,722
baseline
▲ 0.50% · 4.625%
HK$722,920
+HK$36,198/mo
Deposit HK$55.04M · loan HK$128.42M · min. income ≈ HK$1,373,444/mo (50% DSR)
Upfront cash ≈ HK$66.96M (deposit + AVD stamp duty HK$11,924,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$752,970
−HK$47,218/mo
▼ 0.25% · 3.875%
HK$776,392
−HK$23,796/mo
Today · 4.125%
HK$800,188
baseline
▲ 0.50% · 4.625%
HK$848,878
+HK$48,690/mo
Deposit HK$18.35M · loan HK$165.11M · min. income ≈ HK$1,600,376/mo (50% DSR)
Upfront cash ≈ HK$30.27M (deposit + AVD stamp duty HK$11,924,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$837,672
−HK$45,257/mo
▼ 0.25% · 3.875%
HK$860,138
−HK$22,791/mo
Today · 4.125%
HK$882,929
baseline
▲ 0.50% · 4.625%
HK$929,469
+HK$46,540/mo
Deposit HK$18.35M · loan HK$165.11M · min. income ≈ HK$1,765,858/mo (50% DSR)
Upfront cash ≈ HK$30.27M (deposit + AVD stamp duty HK$11,924,358 · Scale 2, in force from 26 Feb 2026)