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$435,357
−HK$27,300/mo
▼ 0.25% · 3.875%
HK$448,899
−HK$13,758/mo
Today · 4.125%
HK$462,657
baseline
▲ 0.50% · 4.625%
HK$490,809
+HK$28,152/mo
Deposit HK$95.46M · loan HK$95.46M · min. income ≈ HK$925,314/mo (50% DSR)
Upfront cash ≈ HK$107.87M (deposit + AVD stamp duty HK$12,410,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$484,330
−HK$26,167/mo
▼ 0.25% · 3.875%
HK$497,319
−HK$13,178/mo
Today · 4.125%
HK$510,497
baseline
▲ 0.50% · 4.625%
HK$537,406
+HK$26,909/mo
Deposit HK$95.46M · loan HK$95.46M · min. income ≈ HK$1,020,994/mo (50% DSR)
Upfront cash ≈ HK$107.87M (deposit + AVD stamp duty HK$12,410,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$522,428
−HK$32,761/mo
▼ 0.25% · 3.875%
HK$538,679
−HK$16,510/mo
Today · 4.125%
HK$555,189
baseline
▲ 0.50% · 4.625%
HK$588,971
+HK$33,782/mo
Deposit HK$76.37M · loan HK$114.55M · min. income ≈ HK$1,110,378/mo (50% DSR)
Upfront cash ≈ HK$88.78M (deposit + AVD stamp duty HK$12,410,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$581,196
−HK$31,400/mo
▼ 0.25% · 3.875%
HK$596,783
−HK$15,813/mo
Today · 4.125%
HK$612,596
baseline
▲ 0.50% · 4.625%
HK$644,887
+HK$32,291/mo
Deposit HK$76.37M · loan HK$114.55M · min. income ≈ HK$1,225,192/mo (50% DSR)
Upfront cash ≈ HK$88.78M (deposit + AVD stamp duty HK$12,410,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$609,499
−HK$38,221/mo
▼ 0.25% · 3.875%
HK$628,458
−HK$19,262/mo
Today · 4.125%
HK$647,720
baseline
▲ 0.50% · 4.625%
HK$687,133
+HK$39,413/mo
Deposit HK$57.28M · loan HK$133.65M · min. income ≈ HK$1,295,440/mo (50% DSR)
Upfront cash ≈ HK$69.69M (deposit + AVD stamp duty HK$12,410,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$678,062
−HK$36,634/mo
▼ 0.25% · 3.875%
HK$696,247
−HK$18,449/mo
Today · 4.125%
HK$714,696
baseline
▲ 0.50% · 4.625%
HK$752,368
+HK$37,672/mo
Deposit HK$57.28M · loan HK$133.65M · min. income ≈ HK$1,429,392/mo (50% DSR)
Upfront cash ≈ HK$69.69M (deposit + AVD stamp duty HK$12,410,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$783,642
−HK$49,141/mo
▼ 0.25% · 3.875%
HK$808,018
−HK$24,765/mo
Today · 4.125%
HK$832,783
baseline
▲ 0.50% · 4.625%
HK$883,456
+HK$50,673/mo
Deposit HK$19.09M · loan HK$171.83M · min. income ≈ HK$1,665,566/mo (50% DSR)
Upfront cash ≈ HK$31.50M (deposit + AVD stamp duty HK$12,410,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$871,794
−HK$47,100/mo
▼ 0.25% · 3.875%
HK$895,175
−HK$23,719/mo
Today · 4.125%
HK$918,894
baseline
▲ 0.50% · 4.625%
HK$967,331
+HK$48,437/mo
Deposit HK$19.09M · loan HK$171.83M · min. income ≈ HK$1,837,788/mo (50% DSR)
Upfront cash ≈ HK$31.50M (deposit + AVD stamp duty HK$12,410,091 · Scale 2, in force from 26 Feb 2026)