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$455,963
−HK$28,592/mo
▼ 0.25% · 3.875%
HK$470,146
−HK$14,409/mo
Today · 4.125%
HK$484,555
baseline
▲ 0.50% · 4.625%
HK$514,039
+HK$29,484/mo
Deposit HK$99.98M · loan HK$99.98M · min. income ≈ HK$969,110/mo (50% DSR)
Upfront cash ≈ HK$112.98M (deposit + AVD stamp duty HK$12,997,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$507,254
−HK$27,405/mo
▼ 0.25% · 3.875%
HK$520,858
−HK$13,801/mo
Today · 4.125%
HK$534,659
baseline
▲ 0.50% · 4.625%
HK$562,842
+HK$28,183/mo
Deposit HK$99.98M · loan HK$99.98M · min. income ≈ HK$1,069,318/mo (50% DSR)
Upfront cash ≈ HK$112.98M (deposit + AVD stamp duty HK$12,997,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$547,155
−HK$34,311/mo
▼ 0.25% · 3.875%
HK$564,175
−HK$17,291/mo
Today · 4.125%
HK$581,466
baseline
▲ 0.50% · 4.625%
HK$616,847
+HK$35,381/mo
Deposit HK$79.98M · loan HK$119.98M · min. income ≈ HK$1,162,932/mo (50% DSR)
Upfront cash ≈ HK$92.98M (deposit + AVD stamp duty HK$12,997,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$608,704
−HK$32,887/mo
▼ 0.25% · 3.875%
HK$625,030
−HK$16,561/mo
Today · 4.125%
HK$641,591
baseline
▲ 0.50% · 4.625%
HK$675,410
+HK$33,819/mo
Deposit HK$79.98M · loan HK$119.98M · min. income ≈ HK$1,283,182/mo (50% DSR)
Upfront cash ≈ HK$92.98M (deposit + AVD stamp duty HK$12,997,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$638,348
−HK$40,030/mo
▼ 0.25% · 3.875%
HK$658,204
−HK$20,174/mo
Today · 4.125%
HK$678,378
baseline
▲ 0.50% · 4.625%
HK$719,655
+HK$41,277/mo
Deposit HK$59.99M · loan HK$139.97M · min. income ≈ HK$1,356,756/mo (50% DSR)
Upfront cash ≈ HK$72.99M (deposit + AVD stamp duty HK$12,997,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$710,155
−HK$38,368/mo
▼ 0.25% · 3.875%
HK$729,201
−HK$19,322/mo
Today · 4.125%
HK$748,523
baseline
▲ 0.50% · 4.625%
HK$787,978
+HK$39,455/mo
Deposit HK$59.99M · loan HK$139.97M · min. income ≈ HK$1,497,046/mo (50% DSR)
Upfront cash ≈ HK$72.99M (deposit + AVD stamp duty HK$12,997,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$820,733
−HK$51,467/mo
▼ 0.25% · 3.875%
HK$846,262
−HK$25,938/mo
Today · 4.125%
HK$872,200
baseline
▲ 0.50% · 4.625%
HK$925,271
+HK$53,071/mo
Deposit HK$20.00M · loan HK$179.96M · min. income ≈ HK$1,744,400/mo (50% DSR)
Upfront cash ≈ HK$32.99M (deposit + AVD stamp duty HK$12,997,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$913,057
−HK$49,329/mo
▼ 0.25% · 3.875%
HK$937,544
−HK$24,842/mo
Today · 4.125%
HK$962,386
baseline
▲ 0.50% · 4.625%
HK$1,013,115
+HK$50,729/mo
Deposit HK$20.00M · loan HK$179.96M · min. income ≈ HK$1,924,772/mo (50% DSR)
Upfront cash ≈ HK$32.99M (deposit + AVD stamp duty HK$12,997,470 · Scale 2, in force from 26 Feb 2026)