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$457,131
−HK$28,666/mo
▼ 0.25% · 3.875%
HK$471,350
−HK$14,447/mo
Today · 4.125%
HK$485,797
baseline
▲ 0.50% · 4.625%
HK$515,356
+HK$29,559/mo
Deposit HK$100.24M · loan HK$100.24M · min. income ≈ HK$971,594/mo (50% DSR)
Upfront cash ≈ HK$113.27M (deposit + AVD stamp duty HK$13,030,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$508,553
−HK$27,476/mo
▼ 0.25% · 3.875%
HK$522,192
−HK$13,837/mo
Today · 4.125%
HK$536,029
baseline
▲ 0.50% · 4.625%
HK$564,284
+HK$28,255/mo
Deposit HK$100.24M · loan HK$100.24M · min. income ≈ HK$1,072,058/mo (50% DSR)
Upfront cash ≈ HK$113.27M (deposit + AVD stamp duty HK$13,030,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$548,557
−HK$34,399/mo
▼ 0.25% · 3.875%
HK$565,620
−HK$17,336/mo
Today · 4.125%
HK$582,956
baseline
▲ 0.50% · 4.625%
HK$618,428
+HK$35,472/mo
Deposit HK$80.19M · loan HK$120.28M · min. income ≈ HK$1,165,912/mo (50% DSR)
Upfront cash ≈ HK$93.22M (deposit + AVD stamp duty HK$13,030,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$610,264
−HK$32,971/mo
▼ 0.25% · 3.875%
HK$626,631
−HK$16,604/mo
Today · 4.125%
HK$643,235
baseline
▲ 0.50% · 4.625%
HK$677,140
+HK$33,905/mo
Deposit HK$80.19M · loan HK$120.28M · min. income ≈ HK$1,286,470/mo (50% DSR)
Upfront cash ≈ HK$93.22M (deposit + AVD stamp duty HK$13,030,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$639,983
−HK$40,133/mo
▼ 0.25% · 3.875%
HK$659,890
−HK$20,226/mo
Today · 4.125%
HK$680,116
baseline
▲ 0.50% · 4.625%
HK$721,499
+HK$41,383/mo
Deposit HK$60.14M · loan HK$140.33M · min. income ≈ HK$1,360,232/mo (50% DSR)
Upfront cash ≈ HK$73.17M (deposit + AVD stamp duty HK$13,030,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$711,975
−HK$38,465/mo
▼ 0.25% · 3.875%
HK$731,069
−HK$19,371/mo
Today · 4.125%
HK$750,440
baseline
▲ 0.50% · 4.625%
HK$789,997
+HK$39,557/mo
Deposit HK$60.14M · loan HK$140.33M · min. income ≈ HK$1,500,880/mo (50% DSR)
Upfront cash ≈ HK$73.17M (deposit + AVD stamp duty HK$13,030,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$822,835
−HK$51,599/mo
▼ 0.25% · 3.875%
HK$848,430
−HK$26,004/mo
Today · 4.125%
HK$874,434
baseline
▲ 0.50% · 4.625%
HK$927,642
+HK$53,208/mo
Deposit HK$20.05M · loan HK$180.43M · min. income ≈ HK$1,748,868/mo (50% DSR)
Upfront cash ≈ HK$33.08M (deposit + AVD stamp duty HK$13,030,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$915,396
−HK$49,456/mo
▼ 0.25% · 3.875%
HK$939,946
−HK$24,906/mo
Today · 4.125%
HK$964,852
baseline
▲ 0.50% · 4.625%
HK$1,015,711
+HK$50,859/mo
Deposit HK$20.05M · loan HK$180.43M · min. income ≈ HK$1,929,704/mo (50% DSR)
Upfront cash ≈ HK$33.08M (deposit + AVD stamp duty HK$13,030,769 · Scale 2, in force from 26 Feb 2026)