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$462,488
−HK$29,002/mo
▼ 0.25% · 3.875%
HK$476,874
−HK$14,616/mo
Today · 4.125%
HK$491,490
baseline
▲ 0.50% · 4.625%
HK$521,396
+HK$29,906/mo
Deposit HK$101.41M · loan HK$101.41M · min. income ≈ HK$982,980/mo (50% DSR)
Upfront cash ≈ HK$114.59M (deposit + AVD stamp duty HK$13,183,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$514,513
−HK$27,798/mo
▼ 0.25% · 3.875%
HK$528,312
−HK$13,999/mo
Today · 4.125%
HK$542,311
baseline
▲ 0.50% · 4.625%
HK$570,897
+HK$28,586/mo
Deposit HK$101.41M · loan HK$101.41M · min. income ≈ HK$1,084,622/mo (50% DSR)
Upfront cash ≈ HK$114.59M (deposit + AVD stamp duty HK$13,183,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$554,986
−HK$34,802/mo
▼ 0.25% · 3.875%
HK$572,249
−HK$17,539/mo
Today · 4.125%
HK$589,788
baseline
▲ 0.50% · 4.625%
HK$625,675
+HK$35,887/mo
Deposit HK$81.13M · loan HK$121.69M · min. income ≈ HK$1,179,576/mo (50% DSR)
Upfront cash ≈ HK$94.31M (deposit + AVD stamp duty HK$13,183,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$617,416
−HK$33,357/mo
▼ 0.25% · 3.875%
HK$633,975
−HK$16,798/mo
Today · 4.125%
HK$650,773
baseline
▲ 0.50% · 4.625%
HK$685,076
+HK$34,303/mo
Deposit HK$81.13M · loan HK$121.69M · min. income ≈ HK$1,301,546/mo (50% DSR)
Upfront cash ≈ HK$94.31M (deposit + AVD stamp duty HK$13,183,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$647,483
−HK$40,603/mo
▼ 0.25% · 3.875%
HK$667,624
−HK$20,462/mo
Today · 4.125%
HK$688,086
baseline
▲ 0.50% · 4.625%
HK$729,955
+HK$41,869/mo
Deposit HK$60.85M · loan HK$141.98M · min. income ≈ HK$1,376,172/mo (50% DSR)
Upfront cash ≈ HK$74.03M (deposit + AVD stamp duty HK$13,183,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$720,319
−HK$38,916/mo
▼ 0.25% · 3.875%
HK$739,637
−HK$19,598/mo
Today · 4.125%
HK$759,235
baseline
▲ 0.50% · 4.625%
HK$799,256
+HK$40,021/mo
Deposit HK$60.85M · loan HK$141.98M · min. income ≈ HK$1,518,470/mo (50% DSR)
Upfront cash ≈ HK$74.03M (deposit + AVD stamp duty HK$13,183,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$832,479
−HK$52,203/mo
▼ 0.25% · 3.875%
HK$858,373
−HK$26,309/mo
Today · 4.125%
HK$884,682
baseline
▲ 0.50% · 4.625%
HK$938,513
+HK$53,831/mo
Deposit HK$20.28M · loan HK$182.54M · min. income ≈ HK$1,769,364/mo (50% DSR)
Upfront cash ≈ HK$33.47M (deposit + AVD stamp duty HK$13,183,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$926,124
−HK$50,036/mo
▼ 0.25% · 3.875%
HK$950,962
−HK$25,198/mo
Today · 4.125%
HK$976,160
baseline
▲ 0.50% · 4.625%
HK$1,027,614
+HK$51,454/mo
Deposit HK$20.28M · loan HK$182.54M · min. income ≈ HK$1,952,320/mo (50% DSR)
Upfront cash ≈ HK$33.47M (deposit + AVD stamp duty HK$13,183,486 · Scale 2, in force from 26 Feb 2026)