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$422,124
−HK$26,470/mo
▼ 0.25% · 3.875%
HK$435,254
−HK$13,340/mo
Today · 4.125%
HK$448,594
baseline
▲ 0.50% · 4.625%
HK$475,890
+HK$27,296/mo
Deposit HK$92.56M · loan HK$92.56M · min. income ≈ HK$897,188/mo (50% DSR)
Upfront cash ≈ HK$104.59M (deposit + AVD stamp duty HK$12,032,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$469,608
−HK$25,372/mo
▼ 0.25% · 3.875%
HK$482,203
−HK$12,777/mo
Today · 4.125%
HK$494,980
baseline
▲ 0.50% · 4.625%
HK$521,071
+HK$26,091/mo
Deposit HK$92.56M · loan HK$92.56M · min. income ≈ HK$989,960/mo (50% DSR)
Upfront cash ≈ HK$104.59M (deposit + AVD stamp duty HK$12,032,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$506,548
−HK$31,765/mo
▼ 0.25% · 3.875%
HK$522,305
−HK$16,008/mo
Today · 4.125%
HK$538,313
baseline
▲ 0.50% · 4.625%
HK$571,068
+HK$32,755/mo
Deposit HK$74.05M · loan HK$111.07M · min. income ≈ HK$1,076,626/mo (50% DSR)
Upfront cash ≈ HK$86.08M (deposit + AVD stamp duty HK$12,032,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$563,530
−HK$30,446/mo
▼ 0.25% · 3.875%
HK$578,643
−HK$15,333/mo
Today · 4.125%
HK$593,976
baseline
▲ 0.50% · 4.625%
HK$625,285
+HK$31,309/mo
Deposit HK$74.05M · loan HK$111.07M · min. income ≈ HK$1,187,952/mo (50% DSR)
Upfront cash ≈ HK$86.08M (deposit + AVD stamp duty HK$12,032,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$590,973
−HK$37,059/mo
▼ 0.25% · 3.875%
HK$609,356
−HK$18,676/mo
Today · 4.125%
HK$628,032
baseline
▲ 0.50% · 4.625%
HK$666,247
+HK$38,215/mo
Deposit HK$55.54M · loan HK$129.58M · min. income ≈ HK$1,256,064/mo (50% DSR)
Upfront cash ≈ HK$67.57M (deposit + AVD stamp duty HK$12,032,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$657,452
−HK$35,520/mo
▼ 0.25% · 3.875%
HK$675,084
−HK$17,888/mo
Today · 4.125%
HK$692,972
baseline
▲ 0.50% · 4.625%
HK$729,499
+HK$36,527/mo
Deposit HK$55.54M · loan HK$129.58M · min. income ≈ HK$1,385,944/mo (50% DSR)
Upfront cash ≈ HK$67.57M (deposit + AVD stamp duty HK$12,032,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$759,822
−HK$47,648/mo
▼ 0.25% · 3.875%
HK$783,457
−HK$24,013/mo
Today · 4.125%
HK$807,470
baseline
▲ 0.50% · 4.625%
HK$856,603
+HK$49,133/mo
Deposit HK$18.51M · loan HK$166.61M · min. income ≈ HK$1,614,940/mo (50% DSR)
Upfront cash ≈ HK$30.54M (deposit + AVD stamp duty HK$12,032,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$845,295
−HK$45,669/mo
▼ 0.25% · 3.875%
HK$867,965
−HK$22,999/mo
Today · 4.125%
HK$890,964
baseline
▲ 0.50% · 4.625%
HK$937,927
+HK$46,963/mo
Deposit HK$18.51M · loan HK$166.61M · min. income ≈ HK$1,781,928/mo (50% DSR)
Upfront cash ≈ HK$30.54M (deposit + AVD stamp duty HK$12,032,872 · Scale 2, in force from 26 Feb 2026)