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$478,069
−HK$29,979/mo
▼ 0.25% · 3.875%
HK$492,940
−HK$15,108/mo
Today · 4.125%
HK$508,048
baseline
▲ 0.50% · 4.625%
HK$538,962
+HK$30,914/mo
Deposit HK$104.83M · loan HK$104.83M · min. income ≈ HK$1,016,096/mo (50% DSR)
Upfront cash ≈ HK$118.46M (deposit + AVD stamp duty HK$13,627,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$531,847
−HK$28,734/mo
▼ 0.25% · 3.875%
HK$546,111
−HK$14,470/mo
Today · 4.125%
HK$560,581
baseline
▲ 0.50% · 4.625%
HK$590,130
+HK$29,549/mo
Deposit HK$104.83M · loan HK$104.83M · min. income ≈ HK$1,121,162/mo (50% DSR)
Upfront cash ≈ HK$118.46M (deposit + AVD stamp duty HK$13,627,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$573,683
−HK$35,975/mo
▼ 0.25% · 3.875%
HK$591,528
−HK$18,130/mo
Today · 4.125%
HK$609,658
baseline
▲ 0.50% · 4.625%
HK$646,754
+HK$37,096/mo
Deposit HK$83.86M · loan HK$125.79M · min. income ≈ HK$1,219,316/mo (50% DSR)
Upfront cash ≈ HK$97.49M (deposit + AVD stamp duty HK$13,627,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$638,216
−HK$34,481/mo
▼ 0.25% · 3.875%
HK$655,333
−HK$17,364/mo
Today · 4.125%
HK$672,697
baseline
▲ 0.50% · 4.625%
HK$708,156
+HK$35,459/mo
Deposit HK$83.86M · loan HK$125.79M · min. income ≈ HK$1,345,394/mo (50% DSR)
Upfront cash ≈ HK$97.49M (deposit + AVD stamp duty HK$13,627,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$669,297
−HK$41,970/mo
▼ 0.25% · 3.875%
HK$690,115
−HK$21,152/mo
Today · 4.125%
HK$711,267
baseline
▲ 0.50% · 4.625%
HK$754,546
+HK$43,279/mo
Deposit HK$62.90M · loan HK$146.76M · min. income ≈ HK$1,422,534/mo (50% DSR)
Upfront cash ≈ HK$76.52M (deposit + AVD stamp duty HK$13,627,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$744,586
−HK$40,227/mo
▼ 0.25% · 3.875%
HK$764,555
−HK$20,258/mo
Today · 4.125%
HK$784,813
baseline
▲ 0.50% · 4.625%
HK$826,182
+HK$41,369/mo
Deposit HK$62.90M · loan HK$146.76M · min. income ≈ HK$1,569,626/mo (50% DSR)
Upfront cash ≈ HK$76.52M (deposit + AVD stamp duty HK$13,627,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$860,524
−HK$53,963/mo
▼ 0.25% · 3.875%
HK$887,291
−HK$27,196/mo
Today · 4.125%
HK$914,487
baseline
▲ 0.50% · 4.625%
HK$970,131
+HK$55,644/mo
Deposit HK$20.97M · loan HK$188.69M · min. income ≈ HK$1,828,974/mo (50% DSR)
Upfront cash ≈ HK$34.59M (deposit + AVD stamp duty HK$13,627,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$957,324
−HK$51,722/mo
▼ 0.25% · 3.875%
HK$982,999
−HK$26,047/mo
Today · 4.125%
HK$1,009,046
baseline
▲ 0.50% · 4.625%
HK$1,062,234
+HK$53,188/mo
Deposit HK$20.97M · loan HK$188.69M · min. income ≈ HK$2,018,092/mo (50% DSR)
Upfront cash ≈ HK$34.59M (deposit + AVD stamp duty HK$13,627,626 · Scale 2, in force from 26 Feb 2026)