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$496,350
−HK$31,125/mo
▼ 0.25% · 3.875%
HK$511,789
−HK$15,686/mo
Today · 4.125%
HK$527,475
baseline
▲ 0.50% · 4.625%
HK$559,571
+HK$32,096/mo
Deposit HK$108.84M · loan HK$108.84M · min. income ≈ HK$1,054,950/mo (50% DSR)
Upfront cash ≈ HK$122.99M (deposit + AVD stamp duty HK$14,148,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$552,184
−HK$29,833/mo
▼ 0.25% · 3.875%
HK$566,993
−HK$15,024/mo
Today · 4.125%
HK$582,017
baseline
▲ 0.50% · 4.625%
HK$612,696
+HK$30,679/mo
Deposit HK$108.84M · loan HK$108.84M · min. income ≈ HK$1,164,034/mo (50% DSR)
Upfront cash ≈ HK$122.99M (deposit + AVD stamp duty HK$14,148,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$595,620
−HK$37,350/mo
▼ 0.25% · 3.875%
HK$614,147
−HK$18,823/mo
Today · 4.125%
HK$632,970
baseline
▲ 0.50% · 4.625%
HK$671,485
+HK$38,515/mo
Deposit HK$87.07M · loan HK$130.60M · min. income ≈ HK$1,265,940/mo (50% DSR)
Upfront cash ≈ HK$101.22M (deposit + AVD stamp duty HK$14,148,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$662,621
−HK$35,799/mo
▼ 0.25% · 3.875%
HK$680,392
−HK$18,028/mo
Today · 4.125%
HK$698,420
baseline
▲ 0.50% · 4.625%
HK$735,235
+HK$36,815/mo
Deposit HK$87.07M · loan HK$130.60M · min. income ≈ HK$1,396,840/mo (50% DSR)
Upfront cash ≈ HK$101.22M (deposit + AVD stamp duty HK$14,148,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$694,889
−HK$43,576/mo
▼ 0.25% · 3.875%
HK$716,504
−HK$21,961/mo
Today · 4.125%
HK$738,465
baseline
▲ 0.50% · 4.625%
HK$783,399
+HK$44,934/mo
Deposit HK$65.30M · loan HK$152.37M · min. income ≈ HK$1,476,930/mo (50% DSR)
Upfront cash ≈ HK$79.45M (deposit + AVD stamp duty HK$14,148,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$773,058
−HK$41,765/mo
▼ 0.25% · 3.875%
HK$793,791
−HK$21,032/mo
Today · 4.125%
HK$814,823
baseline
▲ 0.50% · 4.625%
HK$857,774
+HK$42,951/mo
Deposit HK$65.30M · loan HK$152.37M · min. income ≈ HK$1,629,646/mo (50% DSR)
Upfront cash ≈ HK$79.45M (deposit + AVD stamp duty HK$14,148,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$893,429
−HK$56,026/mo
▼ 0.25% · 3.875%
HK$921,220
−HK$28,235/mo
Today · 4.125%
HK$949,455
baseline
▲ 0.50% · 4.625%
HK$1,007,227
+HK$57,772/mo
Deposit HK$21.77M · loan HK$195.91M · min. income ≈ HK$1,898,910/mo (50% DSR)
Upfront cash ≈ HK$35.92M (deposit + AVD stamp duty HK$14,148,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$993,931
−HK$53,699/mo
▼ 0.25% · 3.875%
HK$1,020,588
−HK$27,042/mo
Today · 4.125%
HK$1,047,630
baseline
▲ 0.50% · 4.625%
HK$1,102,852
+HK$55,222/mo
Deposit HK$21.77M · loan HK$195.91M · min. income ≈ HK$2,095,260/mo (50% DSR)
Upfront cash ≈ HK$35.92M (deposit + AVD stamp duty HK$14,148,727 · Scale 2, in force from 26 Feb 2026)