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$359,002
−HK$22,513/mo
▼ 0.25% · 3.875%
HK$370,169
−HK$11,346/mo
Today · 4.125%
HK$381,515
baseline
▲ 0.50% · 4.625%
HK$404,729
+HK$23,214/mo
Deposit HK$78.72M · loan HK$78.72M · min. income ≈ HK$763,030/mo (50% DSR)
Upfront cash ≈ HK$88.95M (deposit + AVD stamp duty HK$10,233,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$399,386
−HK$21,578/mo
▼ 0.25% · 3.875%
HK$410,098
−HK$10,866/mo
Today · 4.125%
HK$420,964
baseline
▲ 0.50% · 4.625%
HK$443,154
+HK$22,190/mo
Deposit HK$78.72M · loan HK$78.72M · min. income ≈ HK$841,928/mo (50% DSR)
Upfront cash ≈ HK$88.95M (deposit + AVD stamp duty HK$10,233,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$430,803
−HK$27,015/mo
▼ 0.25% · 3.875%
HK$444,203
−HK$13,615/mo
Today · 4.125%
HK$457,818
baseline
▲ 0.50% · 4.625%
HK$485,675
+HK$27,857/mo
Deposit HK$62.98M · loan HK$94.46M · min. income ≈ HK$915,636/mo (50% DSR)
Upfront cash ≈ HK$73.21M (deposit + AVD stamp duty HK$10,233,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$479,264
−HK$25,893/mo
▼ 0.25% · 3.875%
HK$492,117
−HK$13,040/mo
Today · 4.125%
HK$505,157
baseline
▲ 0.50% · 4.625%
HK$531,784
+HK$26,627/mo
Deposit HK$62.98M · loan HK$94.46M · min. income ≈ HK$1,010,314/mo (50% DSR)
Upfront cash ≈ HK$73.21M (deposit + AVD stamp duty HK$10,233,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$502,603
−HK$31,518/mo
▼ 0.25% · 3.875%
HK$518,237
−HK$15,884/mo
Today · 4.125%
HK$534,121
baseline
▲ 0.50% · 4.625%
HK$566,621
+HK$32,500/mo
Deposit HK$47.23M · loan HK$110.21M · min. income ≈ HK$1,068,242/mo (50% DSR)
Upfront cash ≈ HK$57.47M (deposit + AVD stamp duty HK$10,233,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$559,141
−HK$30,209/mo
▼ 0.25% · 3.875%
HK$574,137
−HK$15,213/mo
Today · 4.125%
HK$589,350
baseline
▲ 0.50% · 4.625%
HK$620,415
+HK$31,065/mo
Deposit HK$47.23M · loan HK$110.21M · min. income ≈ HK$1,178,700/mo (50% DSR)
Upfront cash ≈ HK$57.47M (deposit + AVD stamp duty HK$10,233,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$646,204
−HK$40,523/mo
▼ 0.25% · 3.875%
HK$666,305
−HK$20,422/mo
Today · 4.125%
HK$686,727
baseline
▲ 0.50% · 4.625%
HK$728,513
+HK$41,786/mo
Deposit HK$15.74M · loan HK$141.70M · min. income ≈ HK$1,373,454/mo (50% DSR)
Upfront cash ≈ HK$25.98M (deposit + AVD stamp duty HK$10,233,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$718,896
−HK$38,839/mo
▼ 0.25% · 3.875%
HK$738,176
−HK$19,559/mo
Today · 4.125%
HK$757,735
baseline
▲ 0.50% · 4.625%
HK$797,677
+HK$39,942/mo
Deposit HK$15.74M · loan HK$141.70M · min. income ≈ HK$1,515,470/mo (50% DSR)
Upfront cash ≈ HK$25.98M (deposit + AVD stamp duty HK$10,233,564 · Scale 2, in force from 26 Feb 2026)