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$543,004
−HK$34,051/mo
▼ 0.25% · 3.875%
HK$559,895
−HK$17,160/mo
Today · 4.125%
HK$577,055
baseline
▲ 0.50% · 4.625%
HK$612,168
+HK$35,113/mo
Deposit HK$119.07M · loan HK$119.07M · min. income ≈ HK$1,154,110/mo (50% DSR)
Upfront cash ≈ HK$134.55M (deposit + AVD stamp duty HK$15,478,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$604,087
−HK$32,637/mo
▼ 0.25% · 3.875%
HK$620,288
−HK$16,436/mo
Today · 4.125%
HK$636,724
baseline
▲ 0.50% · 4.625%
HK$670,286
+HK$33,562/mo
Deposit HK$119.07M · loan HK$119.07M · min. income ≈ HK$1,273,448/mo (50% DSR)
Upfront cash ≈ HK$134.55M (deposit + AVD stamp duty HK$15,478,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$651,605
−HK$40,861/mo
▼ 0.25% · 3.875%
HK$671,874
−HK$20,592/mo
Today · 4.125%
HK$692,466
baseline
▲ 0.50% · 4.625%
HK$734,601
+HK$42,135/mo
Deposit HK$95.25M · loan HK$142.88M · min. income ≈ HK$1,384,932/mo (50% DSR)
Upfront cash ≈ HK$110.73M (deposit + AVD stamp duty HK$15,478,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$724,904
−HK$39,164/mo
▼ 0.25% · 3.875%
HK$744,346
−HK$19,722/mo
Today · 4.125%
HK$764,068
baseline
▲ 0.50% · 4.625%
HK$804,343
+HK$40,275/mo
Deposit HK$95.25M · loan HK$142.88M · min. income ≈ HK$1,528,136/mo (50% DSR)
Upfront cash ≈ HK$110.73M (deposit + AVD stamp duty HK$15,478,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$760,206
−HK$47,671/mo
▼ 0.25% · 3.875%
HK$783,853
−HK$24,024/mo
Today · 4.125%
HK$807,877
baseline
▲ 0.50% · 4.625%
HK$857,035
+HK$49,158/mo
Deposit HK$71.44M · loan HK$166.69M · min. income ≈ HK$1,615,754/mo (50% DSR)
Upfront cash ≈ HK$86.92M (deposit + AVD stamp duty HK$15,478,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$845,721
−HK$45,692/mo
▼ 0.25% · 3.875%
HK$868,403
−HK$23,010/mo
Today · 4.125%
HK$891,413
baseline
▲ 0.50% · 4.625%
HK$938,401
+HK$46,988/mo
Deposit HK$71.44M · loan HK$166.69M · min. income ≈ HK$1,782,826/mo (50% DSR)
Upfront cash ≈ HK$86.92M (deposit + AVD stamp duty HK$15,478,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$977,408
−HK$61,292/mo
▼ 0.25% · 3.875%
HK$1,007,810
−HK$30,890/mo
Today · 4.125%
HK$1,038,700
baseline
▲ 0.50% · 4.625%
HK$1,101,902
+HK$63,202/mo
Deposit HK$23.81M · loan HK$214.32M · min. income ≈ HK$2,077,400/mo (50% DSR)
Upfront cash ≈ HK$39.29M (deposit + AVD stamp duty HK$15,478,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,087,356
−HK$58,747/mo
▼ 0.25% · 3.875%
HK$1,116,518
−HK$29,585/mo
Today · 4.125%
HK$1,146,103
baseline
▲ 0.50% · 4.625%
HK$1,206,515
+HK$60,412/mo
Deposit HK$23.81M · loan HK$214.32M · min. income ≈ HK$2,292,206/mo (50% DSR)
Upfront cash ≈ HK$39.29M (deposit + AVD stamp duty HK$15,478,642 · Scale 2, in force from 26 Feb 2026)