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$486,388
−HK$30,501/mo
▼ 0.25% · 3.875%
HK$501,517
−HK$15,372/mo
Today · 4.125%
HK$516,889
baseline
▲ 0.50% · 4.625%
HK$548,340
+HK$31,451/mo
Deposit HK$106.65M · loan HK$106.65M · min. income ≈ HK$1,033,778/mo (50% DSR)
Upfront cash ≈ HK$120.52M (deposit + AVD stamp duty HK$13,864,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$541,101
−HK$29,235/mo
▼ 0.25% · 3.875%
HK$555,614
−HK$14,722/mo
Today · 4.125%
HK$570,336
baseline
▲ 0.50% · 4.625%
HK$600,399
+HK$30,063/mo
Deposit HK$106.65M · loan HK$106.65M · min. income ≈ HK$1,140,672/mo (50% DSR)
Upfront cash ≈ HK$120.52M (deposit + AVD stamp duty HK$13,864,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$583,665
−HK$36,601/mo
▼ 0.25% · 3.875%
HK$601,821
−HK$18,445/mo
Today · 4.125%
HK$620,266
baseline
▲ 0.50% · 4.625%
HK$658,008
+HK$37,742/mo
Deposit HK$85.32M · loan HK$127.98M · min. income ≈ HK$1,240,532/mo (50% DSR)
Upfront cash ≈ HK$99.19M (deposit + AVD stamp duty HK$13,864,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$649,322
−HK$35,081/mo
▼ 0.25% · 3.875%
HK$666,736
−HK$17,667/mo
Today · 4.125%
HK$684,403
baseline
▲ 0.50% · 4.625%
HK$720,478
+HK$36,075/mo
Deposit HK$85.32M · loan HK$127.98M · min. income ≈ HK$1,368,806/mo (50% DSR)
Upfront cash ≈ HK$99.19M (deposit + AVD stamp duty HK$13,864,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$680,943
−HK$42,701/mo
▼ 0.25% · 3.875%
HK$702,124
−HK$21,520/mo
Today · 4.125%
HK$723,644
baseline
▲ 0.50% · 4.625%
HK$767,676
+HK$44,032/mo
Deposit HK$63.99M · loan HK$149.31M · min. income ≈ HK$1,447,288/mo (50% DSR)
Upfront cash ≈ HK$77.86M (deposit + AVD stamp duty HK$13,864,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$757,542
−HK$40,928/mo
▼ 0.25% · 3.875%
HK$777,859
−HK$20,611/mo
Today · 4.125%
HK$798,470
baseline
▲ 0.50% · 4.625%
HK$840,558
+HK$42,088/mo
Deposit HK$63.99M · loan HK$149.31M · min. income ≈ HK$1,596,940/mo (50% DSR)
Upfront cash ≈ HK$77.86M (deposit + AVD stamp duty HK$13,864,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$875,498
−HK$54,901/mo
▼ 0.25% · 3.875%
HK$902,731
−HK$27,668/mo
Today · 4.125%
HK$930,399
baseline
▲ 0.50% · 4.625%
HK$987,012
+HK$56,613/mo
Deposit HK$21.33M · loan HK$191.97M · min. income ≈ HK$1,860,798/mo (50% DSR)
Upfront cash ≈ HK$35.20M (deposit + AVD stamp duty HK$13,864,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$973,983
−HK$52,621/mo
▼ 0.25% · 3.875%
HK$1,000,104
−HK$26,500/mo
Today · 4.125%
HK$1,026,604
baseline
▲ 0.50% · 4.625%
HK$1,080,718
+HK$54,114/mo
Deposit HK$21.33M · loan HK$191.97M · min. income ≈ HK$2,053,208/mo (50% DSR)
Upfront cash ≈ HK$35.20M (deposit + AVD stamp duty HK$13,864,758 · Scale 2, in force from 26 Feb 2026)