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$412,557
−HK$25,871/mo
▼ 0.25% · 3.875%
HK$425,390
−HK$13,038/mo
Today · 4.125%
HK$438,428
baseline
▲ 0.50% · 4.625%
HK$465,105
+HK$26,677/mo
Deposit HK$90.46M · loan HK$90.46M · min. income ≈ HK$876,856/mo (50% DSR)
Upfront cash ≈ HK$102.22M (deposit + AVD stamp duty HK$11,760,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$458,966
−HK$24,796/mo
▼ 0.25% · 3.875%
HK$471,275
−HK$12,487/mo
Today · 4.125%
HK$483,762
baseline
▲ 0.50% · 4.625%
HK$509,262
+HK$25,500/mo
Deposit HK$90.46M · loan HK$90.46M · min. income ≈ HK$967,524/mo (50% DSR)
Upfront cash ≈ HK$102.22M (deposit + AVD stamp duty HK$11,760,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$495,068
−HK$31,046/mo
▼ 0.25% · 3.875%
HK$510,468
−HK$15,646/mo
Today · 4.125%
HK$526,114
baseline
▲ 0.50% · 4.625%
HK$558,126
+HK$32,012/mo
Deposit HK$72.37M · loan HK$108.56M · min. income ≈ HK$1,052,228/mo (50% DSR)
Upfront cash ≈ HK$84.13M (deposit + AVD stamp duty HK$11,760,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$550,759
−HK$29,755/mo
▼ 0.25% · 3.875%
HK$565,530
−HK$14,984/mo
Today · 4.125%
HK$580,514
baseline
▲ 0.50% · 4.625%
HK$611,114
+HK$30,600/mo
Deposit HK$72.37M · loan HK$108.56M · min. income ≈ HK$1,161,028/mo (50% DSR)
Upfront cash ≈ HK$84.13M (deposit + AVD stamp duty HK$11,760,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$577,580
−HK$36,219/mo
▼ 0.25% · 3.875%
HK$595,546
−HK$18,253/mo
Today · 4.125%
HK$613,799
baseline
▲ 0.50% · 4.625%
HK$651,147
+HK$37,348/mo
Deposit HK$54.28M · loan HK$126.65M · min. income ≈ HK$1,227,598/mo (50% DSR)
Upfront cash ≈ HK$66.04M (deposit + AVD stamp duty HK$11,760,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$642,552
−HK$34,715/mo
▼ 0.25% · 3.875%
HK$659,785
−HK$17,482/mo
Today · 4.125%
HK$677,267
baseline
▲ 0.50% · 4.625%
HK$712,966
+HK$35,699/mo
Deposit HK$54.28M · loan HK$126.65M · min. income ≈ HK$1,354,534/mo (50% DSR)
Upfront cash ≈ HK$66.04M (deposit + AVD stamp duty HK$11,760,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$742,603
−HK$46,567/mo
▼ 0.25% · 3.875%
HK$765,702
−HK$23,468/mo
Today · 4.125%
HK$789,170
baseline
▲ 0.50% · 4.625%
HK$837,189
+HK$48,019/mo
Deposit HK$18.09M · loan HK$162.83M · min. income ≈ HK$1,578,340/mo (50% DSR)
Upfront cash ≈ HK$29.85M (deposit + AVD stamp duty HK$11,760,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$826,138
−HK$44,634/mo
▼ 0.25% · 3.875%
HK$848,295
−HK$22,477/mo
Today · 4.125%
HK$870,772
baseline
▲ 0.50% · 4.625%
HK$916,671
+HK$45,899/mo
Deposit HK$18.09M · loan HK$162.83M · min. income ≈ HK$1,741,544/mo (50% DSR)
Upfront cash ≈ HK$29.85M (deposit + AVD stamp duty HK$11,760,171 · Scale 2, in force from 26 Feb 2026)