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$388,593
−HK$24,368/mo
▼ 0.25% · 3.875%
HK$400,680
−HK$12,281/mo
Today · 4.125%
HK$412,961
baseline
▲ 0.50% · 4.625%
HK$438,088
+HK$25,127/mo
Deposit HK$85.21M · loan HK$85.21M · min. income ≈ HK$825,922/mo (50% DSR)
Upfront cash ≈ HK$96.29M (deposit + AVD stamp duty HK$11,077,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$432,305
−HK$23,356/mo
▼ 0.25% · 3.875%
HK$443,899
−HK$11,762/mo
Today · 4.125%
HK$455,661
baseline
▲ 0.50% · 4.625%
HK$479,680
+HK$24,019/mo
Deposit HK$85.21M · loan HK$85.21M · min. income ≈ HK$911,322/mo (50% DSR)
Upfront cash ≈ HK$96.29M (deposit + AVD stamp duty HK$11,077,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$466,311
−HK$29,242/mo
▼ 0.25% · 3.875%
HK$480,816
−HK$14,737/mo
Today · 4.125%
HK$495,553
baseline
▲ 0.50% · 4.625%
HK$525,706
+HK$30,153/mo
Deposit HK$68.17M · loan HK$102.25M · min. income ≈ HK$991,106/mo (50% DSR)
Upfront cash ≈ HK$79.24M (deposit + AVD stamp duty HK$11,077,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$518,766
−HK$28,028/mo
▼ 0.25% · 3.875%
HK$532,679
−HK$14,115/mo
Today · 4.125%
HK$546,794
baseline
▲ 0.50% · 4.625%
HK$575,616
+HK$28,822/mo
Deposit HK$68.17M · loan HK$102.25M · min. income ≈ HK$1,093,588/mo (50% DSR)
Upfront cash ≈ HK$79.24M (deposit + AVD stamp duty HK$11,077,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$544,030
−HK$34,115/mo
▼ 0.25% · 3.875%
HK$560,952
−HK$17,193/mo
Today · 4.125%
HK$578,145
baseline
▲ 0.50% · 4.625%
HK$613,324
+HK$35,179/mo
Deposit HK$51.12M · loan HK$119.29M · min. income ≈ HK$1,156,290/mo (50% DSR)
Upfront cash ≈ HK$62.20M (deposit + AVD stamp duty HK$11,077,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$605,227
−HK$32,699/mo
▼ 0.25% · 3.875%
HK$621,459
−HK$16,467/mo
Today · 4.125%
HK$637,926
baseline
▲ 0.50% · 4.625%
HK$671,552
+HK$33,626/mo
Deposit HK$51.12M · loan HK$119.29M · min. income ≈ HK$1,275,852/mo (50% DSR)
Upfront cash ≈ HK$62.20M (deposit + AVD stamp duty HK$11,077,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$699,467
−HK$43,862/mo
▼ 0.25% · 3.875%
HK$721,224
−HK$22,105/mo
Today · 4.125%
HK$743,329
baseline
▲ 0.50% · 4.625%
HK$788,559
+HK$45,230/mo
Deposit HK$17.04M · loan HK$153.37M · min. income ≈ HK$1,486,658/mo (50% DSR)
Upfront cash ≈ HK$28.12M (deposit + AVD stamp duty HK$11,077,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$778,150
−HK$42,041/mo
▼ 0.25% · 3.875%
HK$799,019
−HK$21,172/mo
Today · 4.125%
HK$820,191
baseline
▲ 0.50% · 4.625%
HK$863,424
+HK$43,233/mo
Deposit HK$17.04M · loan HK$153.37M · min. income ≈ HK$1,640,382/mo (50% DSR)
Upfront cash ≈ HK$28.12M (deposit + AVD stamp duty HK$11,077,051 · Scale 2, in force from 26 Feb 2026)