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$500,185
−HK$31,366/mo
▼ 0.25% · 3.875%
HK$515,744
−HK$15,807/mo
Today · 4.125%
HK$531,551
baseline
▲ 0.50% · 4.625%
HK$563,895
+HK$32,344/mo
Deposit HK$109.68M · loan HK$109.68M · min. income ≈ HK$1,063,102/mo (50% DSR)
Upfront cash ≈ HK$123.94M (deposit + AVD stamp duty HK$14,258,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$556,451
−HK$30,063/mo
▼ 0.25% · 3.875%
HK$571,375
−HK$15,139/mo
Today · 4.125%
HK$586,514
baseline
▲ 0.50% · 4.625%
HK$617,430
+HK$30,916/mo
Deposit HK$109.68M · loan HK$109.68M · min. income ≈ HK$1,173,028/mo (50% DSR)
Upfront cash ≈ HK$123.94M (deposit + AVD stamp duty HK$14,258,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$600,222
−HK$37,639/mo
▼ 0.25% · 3.875%
HK$618,892
−HK$18,969/mo
Today · 4.125%
HK$637,861
baseline
▲ 0.50% · 4.625%
HK$676,674
+HK$38,813/mo
Deposit HK$87.74M · loan HK$131.61M · min. income ≈ HK$1,275,722/mo (50% DSR)
Upfront cash ≈ HK$102.00M (deposit + AVD stamp duty HK$14,258,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$667,741
−HK$36,076/mo
▼ 0.25% · 3.875%
HK$685,650
−HK$18,167/mo
Today · 4.125%
HK$703,817
baseline
▲ 0.50% · 4.625%
HK$740,916
+HK$37,099/mo
Deposit HK$87.74M · loan HK$131.61M · min. income ≈ HK$1,407,634/mo (50% DSR)
Upfront cash ≈ HK$102.00M (deposit + AVD stamp duty HK$14,258,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$700,259
−HK$43,913/mo
▼ 0.25% · 3.875%
HK$722,041
−HK$22,131/mo
Today · 4.125%
HK$744,172
baseline
▲ 0.50% · 4.625%
HK$789,453
+HK$45,281/mo
Deposit HK$65.81M · loan HK$153.55M · min. income ≈ HK$1,488,344/mo (50% DSR)
Upfront cash ≈ HK$80.06M (deposit + AVD stamp duty HK$14,258,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$779,031
−HK$42,089/mo
▼ 0.25% · 3.875%
HK$799,925
−HK$21,195/mo
Today · 4.125%
HK$821,120
baseline
▲ 0.50% · 4.625%
HK$864,402
+HK$43,282/mo
Deposit HK$65.81M · loan HK$153.55M · min. income ≈ HK$1,642,240/mo (50% DSR)
Upfront cash ≈ HK$80.06M (deposit + AVD stamp duty HK$14,258,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$900,333
−HK$56,459/mo
▼ 0.25% · 3.875%
HK$928,339
−HK$28,453/mo
Today · 4.125%
HK$956,792
baseline
▲ 0.50% · 4.625%
HK$1,015,011
+HK$58,219/mo
Deposit HK$21.94M · loan HK$197.42M · min. income ≈ HK$1,913,584/mo (50% DSR)
Upfront cash ≈ HK$36.19M (deposit + AVD stamp duty HK$14,258,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,001,612
−HK$54,114/mo
▼ 0.25% · 3.875%
HK$1,028,474
−HK$27,252/mo
Today · 4.125%
HK$1,055,726
baseline
▲ 0.50% · 4.625%
HK$1,111,374
+HK$55,648/mo
Deposit HK$21.94M · loan HK$197.42M · min. income ≈ HK$2,111,452/mo (50% DSR)
Upfront cash ≈ HK$36.19M (deposit + AVD stamp duty HK$14,258,061 · Scale 2, in force from 26 Feb 2026)