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$512,382
−HK$32,131/mo
▼ 0.25% · 3.875%
HK$528,320
−HK$16,193/mo
Today · 4.125%
HK$544,513
baseline
▲ 0.50% · 4.625%
HK$577,645
+HK$33,132/mo
Deposit HK$112.35M · loan HK$112.35M · min. income ≈ HK$1,089,026/mo (50% DSR)
Upfront cash ≈ HK$126.96M (deposit + AVD stamp duty HK$14,605,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$570,019
−HK$30,797/mo
▼ 0.25% · 3.875%
HK$585,307
−HK$15,509/mo
Today · 4.125%
HK$600,816
baseline
▲ 0.50% · 4.625%
HK$632,486
+HK$31,670/mo
Deposit HK$112.35M · loan HK$112.35M · min. income ≈ HK$1,201,632/mo (50% DSR)
Upfront cash ≈ HK$126.96M (deposit + AVD stamp duty HK$14,605,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$614,858
−HK$38,557/mo
▼ 0.25% · 3.875%
HK$633,984
−HK$19,431/mo
Today · 4.125%
HK$653,415
baseline
▲ 0.50% · 4.625%
HK$693,174
+HK$39,759/mo
Deposit HK$89.88M · loan HK$134.82M · min. income ≈ HK$1,306,830/mo (50% DSR)
Upfront cash ≈ HK$104.49M (deposit + AVD stamp duty HK$14,605,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$684,023
−HK$36,956/mo
▼ 0.25% · 3.875%
HK$702,368
−HK$18,611/mo
Today · 4.125%
HK$720,979
baseline
▲ 0.50% · 4.625%
HK$758,983
+HK$38,004/mo
Deposit HK$89.88M · loan HK$134.82M · min. income ≈ HK$1,441,958/mo (50% DSR)
Upfront cash ≈ HK$104.49M (deposit + AVD stamp duty HK$14,605,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$717,334
−HK$44,984/mo
▼ 0.25% · 3.875%
HK$739,647
−HK$22,671/mo
Today · 4.125%
HK$762,318
baseline
▲ 0.50% · 4.625%
HK$808,703
+HK$46,385/mo
Deposit HK$67.41M · loan HK$157.29M · min. income ≈ HK$1,524,636/mo (50% DSR)
Upfront cash ≈ HK$82.02M (deposit + AVD stamp duty HK$14,605,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$798,027
−HK$43,115/mo
▼ 0.25% · 3.875%
HK$819,430
−HK$21,712/mo
Today · 4.125%
HK$841,142
baseline
▲ 0.50% · 4.625%
HK$885,480
+HK$44,338/mo
Deposit HK$67.41M · loan HK$157.29M · min. income ≈ HK$1,682,284/mo (50% DSR)
Upfront cash ≈ HK$82.02M (deposit + AVD stamp duty HK$14,605,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$922,287
−HK$57,836/mo
▼ 0.25% · 3.875%
HK$950,975
−HK$29,148/mo
Today · 4.125%
HK$980,123
baseline
▲ 0.50% · 4.625%
HK$1,039,761
+HK$59,638/mo
Deposit HK$22.47M · loan HK$202.23M · min. income ≈ HK$1,960,246/mo (50% DSR)
Upfront cash ≈ HK$37.08M (deposit + AVD stamp duty HK$14,605,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,026,035
−HK$55,434/mo
▼ 0.25% · 3.875%
HK$1,053,553
−HK$27,916/mo
Today · 4.125%
HK$1,081,469
baseline
▲ 0.50% · 4.625%
HK$1,138,474
+HK$57,005/mo
Deposit HK$22.47M · loan HK$202.23M · min. income ≈ HK$2,162,938/mo (50% DSR)
Upfront cash ≈ HK$37.08M (deposit + AVD stamp duty HK$14,605,729 · Scale 2, in force from 26 Feb 2026)