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$419,765
−HK$26,323/mo
▼ 0.25% · 3.875%
HK$432,822
−HK$13,266/mo
Today · 4.125%
HK$446,088
baseline
▲ 0.50% · 4.625%
HK$473,231
+HK$27,143/mo
Deposit HK$92.04M · loan HK$92.04M · min. income ≈ HK$892,176/mo (50% DSR)
Upfront cash ≈ HK$104.01M (deposit + AVD stamp duty HK$11,965,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$466,984
−HK$25,230/mo
▼ 0.25% · 3.875%
HK$479,509
−HK$12,705/mo
Today · 4.125%
HK$492,214
baseline
▲ 0.50% · 4.625%
HK$518,159
+HK$25,945/mo
Deposit HK$92.04M · loan HK$92.04M · min. income ≈ HK$984,428/mo (50% DSR)
Upfront cash ≈ HK$104.01M (deposit + AVD stamp duty HK$11,965,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$503,718
−HK$31,588/mo
▼ 0.25% · 3.875%
HK$519,387
−HK$15,919/mo
Today · 4.125%
HK$535,306
baseline
▲ 0.50% · 4.625%
HK$567,878
+HK$32,572/mo
Deposit HK$73.63M · loan HK$110.45M · min. income ≈ HK$1,070,612/mo (50% DSR)
Upfront cash ≈ HK$85.60M (deposit + AVD stamp duty HK$11,965,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$560,381
−HK$30,276/mo
▼ 0.25% · 3.875%
HK$575,410
−HK$15,247/mo
Today · 4.125%
HK$590,657
baseline
▲ 0.50% · 4.625%
HK$621,791
+HK$31,134/mo
Deposit HK$73.63M · loan HK$110.45M · min. income ≈ HK$1,181,314/mo (50% DSR)
Upfront cash ≈ HK$85.60M (deposit + AVD stamp duty HK$11,965,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$587,671
−HK$36,852/mo
▼ 0.25% · 3.875%
HK$605,951
−HK$18,572/mo
Today · 4.125%
HK$624,523
baseline
▲ 0.50% · 4.625%
HK$662,524
+HK$38,001/mo
Deposit HK$55.23M · loan HK$128.86M · min. income ≈ HK$1,249,046/mo (50% DSR)
Upfront cash ≈ HK$67.19M (deposit + AVD stamp duty HK$11,965,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$653,778
−HK$35,322/mo
▼ 0.25% · 3.875%
HK$671,312
−HK$17,788/mo
Today · 4.125%
HK$689,100
baseline
▲ 0.50% · 4.625%
HK$725,423
+HK$36,323/mo
Deposit HK$55.23M · loan HK$128.86M · min. income ≈ HK$1,378,200/mo (50% DSR)
Upfront cash ≈ HK$67.19M (deposit + AVD stamp duty HK$11,965,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$755,577
−HK$47,381/mo
▼ 0.25% · 3.875%
HK$779,080
−HK$23,878/mo
Today · 4.125%
HK$802,958
baseline
▲ 0.50% · 4.625%
HK$851,817
+HK$48,859/mo
Deposit HK$18.41M · loan HK$165.68M · min. income ≈ HK$1,605,916/mo (50% DSR)
Upfront cash ≈ HK$30.37M (deposit + AVD stamp duty HK$11,965,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$840,572
−HK$45,413/mo
▼ 0.25% · 3.875%
HK$863,116
−HK$22,869/mo
Today · 4.125%
HK$885,985
baseline
▲ 0.50% · 4.625%
HK$932,687
+HK$46,702/mo
Deposit HK$18.41M · loan HK$165.68M · min. income ≈ HK$1,771,970/mo (50% DSR)
Upfront cash ≈ HK$30.37M (deposit + AVD stamp duty HK$11,965,640 · Scale 2, in force from 26 Feb 2026)