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$498,321
−HK$31,249/mo
▼ 0.25% · 3.875%
HK$513,821
−HK$15,749/mo
Today · 4.125%
HK$529,570
baseline
▲ 0.50% · 4.625%
HK$561,793
+HK$32,223/mo
Deposit HK$109.27M · loan HK$109.27M · min. income ≈ HK$1,059,140/mo (50% DSR)
Upfront cash ≈ HK$123.47M (deposit + AVD stamp duty HK$14,204,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$554,377
−HK$29,951/mo
▼ 0.25% · 3.875%
HK$569,245
−HK$15,083/mo
Today · 4.125%
HK$584,328
baseline
▲ 0.50% · 4.625%
HK$615,129
+HK$30,801/mo
Deposit HK$109.27M · loan HK$109.27M · min. income ≈ HK$1,168,656/mo (50% DSR)
Upfront cash ≈ HK$123.47M (deposit + AVD stamp duty HK$14,204,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$597,985
−HK$37,499/mo
▼ 0.25% · 3.875%
HK$616,586
−HK$18,898/mo
Today · 4.125%
HK$635,484
baseline
▲ 0.50% · 4.625%
HK$674,152
+HK$38,668/mo
Deposit HK$87.41M · loan HK$131.12M · min. income ≈ HK$1,270,968/mo (50% DSR)
Upfront cash ≈ HK$101.62M (deposit + AVD stamp duty HK$14,204,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$665,252
−HK$35,942/mo
▼ 0.25% · 3.875%
HK$683,094
−HK$18,100/mo
Today · 4.125%
HK$701,194
baseline
▲ 0.50% · 4.625%
HK$738,155
+HK$36,961/mo
Deposit HK$87.41M · loan HK$131.12M · min. income ≈ HK$1,402,388/mo (50% DSR)
Upfront cash ≈ HK$101.62M (deposit + AVD stamp duty HK$14,204,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$697,649
−HK$43,749/mo
▼ 0.25% · 3.875%
HK$719,350
−HK$22,048/mo
Today · 4.125%
HK$741,398
baseline
▲ 0.50% · 4.625%
HK$786,510
+HK$45,112/mo
Deposit HK$65.56M · loan HK$152.98M · min. income ≈ HK$1,482,796/mo (50% DSR)
Upfront cash ≈ HK$79.77M (deposit + AVD stamp duty HK$14,204,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$776,128
−HK$41,932/mo
▼ 0.25% · 3.875%
HK$796,943
−HK$21,117/mo
Today · 4.125%
HK$818,060
baseline
▲ 0.50% · 4.625%
HK$861,181
+HK$43,121/mo
Deposit HK$65.56M · loan HK$152.98M · min. income ≈ HK$1,636,120/mo (50% DSR)
Upfront cash ≈ HK$79.77M (deposit + AVD stamp duty HK$14,204,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$896,978
−HK$56,248/mo
▼ 0.25% · 3.875%
HK$924,879
−HK$28,347/mo
Today · 4.125%
HK$953,226
baseline
▲ 0.50% · 4.625%
HK$1,011,228
+HK$58,002/mo
Deposit HK$21.85M · loan HK$196.68M · min. income ≈ HK$1,906,452/mo (50% DSR)
Upfront cash ≈ HK$36.06M (deposit + AVD stamp duty HK$14,204,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$997,879
−HK$53,912/mo
▼ 0.25% · 3.875%
HK$1,024,641
−HK$27,150/mo
Today · 4.125%
HK$1,051,791
baseline
▲ 0.50% · 4.625%
HK$1,107,232
+HK$55,441/mo
Deposit HK$21.85M · loan HK$196.68M · min. income ≈ HK$2,103,582/mo (50% DSR)
Upfront cash ≈ HK$36.06M (deposit + AVD stamp duty HK$14,204,919 · Scale 2, in force from 26 Feb 2026)