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$420,340
−HK$26,359/mo
▼ 0.25% · 3.875%
HK$433,415
−HK$13,284/mo
Today · 4.125%
HK$446,699
baseline
▲ 0.50% · 4.625%
HK$473,879
+HK$27,180/mo
Deposit HK$92.17M · loan HK$92.17M · min. income ≈ HK$893,398/mo (50% DSR)
Upfront cash ≈ HK$104.15M (deposit + AVD stamp duty HK$11,982,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$467,624
−HK$25,264/mo
▼ 0.25% · 3.875%
HK$480,165
−HK$12,723/mo
Today · 4.125%
HK$492,888
baseline
▲ 0.50% · 4.625%
HK$518,869
+HK$25,981/mo
Deposit HK$92.17M · loan HK$92.17M · min. income ≈ HK$985,776/mo (50% DSR)
Upfront cash ≈ HK$104.15M (deposit + AVD stamp duty HK$11,982,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$504,408
−HK$31,630/mo
▼ 0.25% · 3.875%
HK$520,098
−HK$15,940/mo
Today · 4.125%
HK$536,038
baseline
▲ 0.50% · 4.625%
HK$568,655
+HK$32,617/mo
Deposit HK$73.74M · loan HK$110.60M · min. income ≈ HK$1,072,076/mo (50% DSR)
Upfront cash ≈ HK$85.72M (deposit + AVD stamp duty HK$11,982,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$561,148
−HK$30,318/mo
▼ 0.25% · 3.875%
HK$576,198
−HK$15,268/mo
Today · 4.125%
HK$591,466
baseline
▲ 0.50% · 4.625%
HK$622,643
+HK$31,177/mo
Deposit HK$73.74M · loan HK$110.60M · min. income ≈ HK$1,182,932/mo (50% DSR)
Upfront cash ≈ HK$85.72M (deposit + AVD stamp duty HK$11,982,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$588,476
−HK$36,902/mo
▼ 0.25% · 3.875%
HK$606,781
−HK$18,597/mo
Today · 4.125%
HK$625,378
baseline
▲ 0.50% · 4.625%
HK$663,431
+HK$38,053/mo
Deposit HK$55.30M · loan HK$129.04M · min. income ≈ HK$1,250,756/mo (50% DSR)
Upfront cash ≈ HK$67.28M (deposit + AVD stamp duty HK$11,982,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$654,673
−HK$35,370/mo
▼ 0.25% · 3.875%
HK$672,231
−HK$17,812/mo
Today · 4.125%
HK$690,043
baseline
▲ 0.50% · 4.625%
HK$726,416
+HK$36,373/mo
Deposit HK$55.30M · loan HK$129.04M · min. income ≈ HK$1,380,086/mo (50% DSR)
Upfront cash ≈ HK$67.28M (deposit + AVD stamp duty HK$11,982,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$756,612
−HK$47,446/mo
▼ 0.25% · 3.875%
HK$780,146
−HK$23,912/mo
Today · 4.125%
HK$804,058
baseline
▲ 0.50% · 4.625%
HK$852,983
+HK$48,925/mo
Deposit HK$18.43M · loan HK$165.90M · min. income ≈ HK$1,608,116/mo (50% DSR)
Upfront cash ≈ HK$30.42M (deposit + AVD stamp duty HK$11,982,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$841,723
−HK$45,475/mo
▼ 0.25% · 3.875%
HK$864,297
−HK$22,901/mo
Today · 4.125%
HK$887,198
baseline
▲ 0.50% · 4.625%
HK$933,964
+HK$46,766/mo
Deposit HK$18.43M · loan HK$165.90M · min. income ≈ HK$1,774,396/mo (50% DSR)
Upfront cash ≈ HK$30.42M (deposit + AVD stamp duty HK$11,982,022 · Scale 2, in force from 26 Feb 2026)