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$523,814
−HK$32,847/mo
▼ 0.25% · 3.875%
HK$540,107
−HK$16,554/mo
Today · 4.125%
HK$556,661
baseline
▲ 0.50% · 4.625%
HK$590,533
+HK$33,872/mo
Deposit HK$114.86M · loan HK$114.86M · min. income ≈ HK$1,113,322/mo (50% DSR)
Upfront cash ≈ HK$129.79M (deposit + AVD stamp duty HK$14,931,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$582,737
−HK$31,484/mo
▼ 0.25% · 3.875%
HK$598,366
−HK$15,855/mo
Today · 4.125%
HK$614,221
baseline
▲ 0.50% · 4.625%
HK$646,597
+HK$32,376/mo
Deposit HK$114.86M · loan HK$114.86M · min. income ≈ HK$1,228,442/mo (50% DSR)
Upfront cash ≈ HK$129.79M (deposit + AVD stamp duty HK$14,931,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$628,576
−HK$39,418/mo
▼ 0.25% · 3.875%
HK$648,129
−HK$19,865/mo
Today · 4.125%
HK$667,994
baseline
▲ 0.50% · 4.625%
HK$708,639
+HK$40,645/mo
Deposit HK$91.89M · loan HK$137.83M · min. income ≈ HK$1,335,988/mo (50% DSR)
Upfront cash ≈ HK$106.82M (deposit + AVD stamp duty HK$14,931,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$699,285
−HK$37,780/mo
▼ 0.25% · 3.875%
HK$718,039
−HK$19,026/mo
Today · 4.125%
HK$737,065
baseline
▲ 0.50% · 4.625%
HK$775,917
+HK$38,852/mo
Deposit HK$91.89M · loan HK$137.83M · min. income ≈ HK$1,474,130/mo (50% DSR)
Upfront cash ≈ HK$106.82M (deposit + AVD stamp duty HK$14,931,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$733,339
−HK$45,987/mo
▼ 0.25% · 3.875%
HK$756,150
−HK$23,176/mo
Today · 4.125%
HK$779,326
baseline
▲ 0.50% · 4.625%
HK$826,746
+HK$47,420/mo
Deposit HK$68.92M · loan HK$160.80M · min. income ≈ HK$1,558,652/mo (50% DSR)
Upfront cash ≈ HK$83.85M (deposit + AVD stamp duty HK$14,931,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$815,832
−HK$44,077/mo
▼ 0.25% · 3.875%
HK$837,712
−HK$22,197/mo
Today · 4.125%
HK$859,909
baseline
▲ 0.50% · 4.625%
HK$905,236
+HK$45,327/mo
Deposit HK$68.92M · loan HK$160.80M · min. income ≈ HK$1,719,818/mo (50% DSR)
Upfront cash ≈ HK$83.85M (deposit + AVD stamp duty HK$14,931,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$942,864
−HK$59,126/mo
▼ 0.25% · 3.875%
HK$972,193
−HK$29,797/mo
Today · 4.125%
HK$1,001,990
baseline
▲ 0.50% · 4.625%
HK$1,062,959
+HK$60,969/mo
Deposit HK$22.97M · loan HK$206.75M · min. income ≈ HK$2,003,980/mo (50% DSR)
Upfront cash ≈ HK$37.90M (deposit + AVD stamp duty HK$14,931,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,048,927
−HK$56,670/mo
▼ 0.25% · 3.875%
HK$1,077,059
−HK$28,538/mo
Today · 4.125%
HK$1,105,597
baseline
▲ 0.50% · 4.625%
HK$1,163,875
+HK$58,278/mo
Deposit HK$22.97M · loan HK$206.75M · min. income ≈ HK$2,211,194/mo (50% DSR)
Upfront cash ≈ HK$37.90M (deposit + AVD stamp duty HK$14,931,601 · Scale 2, in force from 26 Feb 2026)