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$423,323
−HK$26,546/mo
▼ 0.25% · 3.875%
HK$436,491
−HK$13,378/mo
Today · 4.125%
HK$449,869
baseline
▲ 0.50% · 4.625%
HK$477,242
+HK$27,373/mo
Deposit HK$92.82M · loan HK$92.82M · min. income ≈ HK$899,738/mo (50% DSR)
Upfront cash ≈ HK$104.89M (deposit + AVD stamp duty HK$12,067,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$470,942
−HK$25,444/mo
▼ 0.25% · 3.875%
HK$483,573
−HK$12,813/mo
Today · 4.125%
HK$496,386
baseline
▲ 0.50% · 4.625%
HK$522,551
+HK$26,165/mo
Deposit HK$92.82M · loan HK$92.82M · min. income ≈ HK$992,772/mo (50% DSR)
Upfront cash ≈ HK$104.89M (deposit + AVD stamp duty HK$12,067,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$507,987
−HK$31,856/mo
▼ 0.25% · 3.875%
HK$523,789
−HK$16,054/mo
Today · 4.125%
HK$539,843
baseline
▲ 0.50% · 4.625%
HK$572,691
+HK$32,848/mo
Deposit HK$74.26M · loan HK$111.39M · min. income ≈ HK$1,079,686/mo (50% DSR)
Upfront cash ≈ HK$86.33M (deposit + AVD stamp duty HK$12,067,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$565,131
−HK$30,532/mo
▼ 0.25% · 3.875%
HK$580,287
−HK$15,376/mo
Today · 4.125%
HK$595,663
baseline
▲ 0.50% · 4.625%
HK$627,061
+HK$31,398/mo
Deposit HK$74.26M · loan HK$111.39M · min. income ≈ HK$1,191,326/mo (50% DSR)
Upfront cash ≈ HK$86.33M (deposit + AVD stamp duty HK$12,067,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$592,652
−HK$37,164/mo
▼ 0.25% · 3.875%
HK$611,087
−HK$18,729/mo
Today · 4.125%
HK$629,816
baseline
▲ 0.50% · 4.625%
HK$668,139
+HK$38,323/mo
Deposit HK$55.69M · loan HK$129.95M · min. income ≈ HK$1,259,632/mo (50% DSR)
Upfront cash ≈ HK$67.76M (deposit + AVD stamp duty HK$12,067,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$659,319
−HK$35,621/mo
▼ 0.25% · 3.875%
HK$677,002
−HK$17,938/mo
Today · 4.125%
HK$694,940
baseline
▲ 0.50% · 4.625%
HK$731,572
+HK$36,632/mo
Deposit HK$55.69M · loan HK$129.95M · min. income ≈ HK$1,389,880/mo (50% DSR)
Upfront cash ≈ HK$67.76M (deposit + AVD stamp duty HK$12,067,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$761,981
−HK$47,783/mo
▼ 0.25% · 3.875%
HK$785,683
−HK$24,081/mo
Today · 4.125%
HK$809,764
baseline
▲ 0.50% · 4.625%
HK$859,036
+HK$49,272/mo
Deposit HK$18.56M · loan HK$167.08M · min. income ≈ HK$1,619,528/mo (50% DSR)
Upfront cash ≈ HK$30.63M (deposit + AVD stamp duty HK$12,067,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$847,696
−HK$45,799/mo
▼ 0.25% · 3.875%
HK$870,431
−HK$23,064/mo
Today · 4.125%
HK$893,495
baseline
▲ 0.50% · 4.625%
HK$940,592
+HK$47,097/mo
Deposit HK$18.56M · loan HK$167.08M · min. income ≈ HK$1,786,990/mo (50% DSR)
Upfront cash ≈ HK$30.63M (deposit + AVD stamp duty HK$12,067,057 · Scale 2, in force from 26 Feb 2026)