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$504,218
−HK$31,619/mo
▼ 0.25% · 3.875%
HK$519,902
−HK$15,935/mo
Today · 4.125%
HK$535,837
baseline
▲ 0.50% · 4.625%
HK$568,441
+HK$32,604/mo
Deposit HK$110.56M · loan HK$110.56M · min. income ≈ HK$1,071,674/mo (50% DSR)
Upfront cash ≈ HK$124.93M (deposit + AVD stamp duty HK$14,373,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$560,937
−HK$30,306/mo
▼ 0.25% · 3.875%
HK$575,981
−HK$15,262/mo
Today · 4.125%
HK$591,243
baseline
▲ 0.50% · 4.625%
HK$622,408
+HK$31,165/mo
Deposit HK$110.56M · loan HK$110.56M · min. income ≈ HK$1,182,486/mo (50% DSR)
Upfront cash ≈ HK$124.93M (deposit + AVD stamp duty HK$14,373,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$605,062
−HK$37,942/mo
▼ 0.25% · 3.875%
HK$623,882
−HK$19,122/mo
Today · 4.125%
HK$643,004
baseline
▲ 0.50% · 4.625%
HK$682,130
+HK$39,126/mo
Deposit HK$88.45M · loan HK$132.67M · min. income ≈ HK$1,286,008/mo (50% DSR)
Upfront cash ≈ HK$102.82M (deposit + AVD stamp duty HK$14,373,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$673,125
−HK$36,367/mo
▼ 0.25% · 3.875%
HK$691,178
−HK$18,314/mo
Today · 4.125%
HK$709,492
baseline
▲ 0.50% · 4.625%
HK$746,890
+HK$37,398/mo
Deposit HK$88.45M · loan HK$132.67M · min. income ≈ HK$1,418,984/mo (50% DSR)
Upfront cash ≈ HK$102.82M (deposit + AVD stamp duty HK$14,373,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$705,905
−HK$44,267/mo
▼ 0.25% · 3.875%
HK$727,863
−HK$22,309/mo
Today · 4.125%
HK$750,172
baseline
▲ 0.50% · 4.625%
HK$795,818
+HK$45,646/mo
Deposit HK$66.34M · loan HK$154.79M · min. income ≈ HK$1,500,344/mo (50% DSR)
Upfront cash ≈ HK$80.71M (deposit + AVD stamp duty HK$14,373,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$785,312
−HK$42,428/mo
▼ 0.25% · 3.875%
HK$806,374
−HK$21,366/mo
Today · 4.125%
HK$827,740
baseline
▲ 0.50% · 4.625%
HK$871,372
+HK$43,632/mo
Deposit HK$66.34M · loan HK$154.79M · min. income ≈ HK$1,655,480/mo (50% DSR)
Upfront cash ≈ HK$80.71M (deposit + AVD stamp duty HK$14,373,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$907,592
−HK$56,914/mo
▼ 0.25% · 3.875%
HK$935,824
−HK$28,682/mo
Today · 4.125%
HK$964,506
baseline
▲ 0.50% · 4.625%
HK$1,023,194
+HK$58,688/mo
Deposit HK$22.11M · loan HK$199.01M · min. income ≈ HK$1,929,012/mo (50% DSR)
Upfront cash ≈ HK$36.49M (deposit + AVD stamp duty HK$14,373,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$1,009,687
−HK$54,551/mo
▼ 0.25% · 3.875%
HK$1,036,767
−HK$27,471/mo
Today · 4.125%
HK$1,064,238
baseline
▲ 0.50% · 4.625%
HK$1,120,335
+HK$56,097/mo
Deposit HK$22.11M · loan HK$199.01M · min. income ≈ HK$2,128,476/mo (50% DSR)
Upfront cash ≈ HK$36.49M (deposit + AVD stamp duty HK$14,373,018 · Scale 2, in force from 26 Feb 2026)