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$81,560
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$84,097
−HK$2,578/mo
Today · 4.125%
HK$86,675
baseline
▲ 0.50% · 4.625%
HK$91,949
+HK$5,274/mo
Deposit HK$17.88M · loan HK$17.88M · min. income ≈ HK$173,350/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,520,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,735
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$93,168
−HK$2,469/mo
Today · 4.125%
HK$95,637
baseline
▲ 0.50% · 4.625%
HK$100,678
+HK$5,041/mo
Deposit HK$17.88M · loan HK$17.88M · min. income ≈ HK$191,274/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,520,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,872
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$100,917
−HK$3,093/mo
Today · 4.125%
HK$104,010
baseline
▲ 0.50% · 4.625%
HK$110,338
+HK$6,328/mo
Deposit HK$14.31M · loan HK$21.46M · min. income ≈ HK$208,020/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,882
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$111,802
−HK$2,962/mo
Today · 4.125%
HK$114,764
baseline
▲ 0.50% · 4.625%
HK$120,814
+HK$6,050/mo
Deposit HK$14.31M · loan HK$21.46M · min. income ≈ HK$229,528/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,184
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$117,736
−HK$3,609/mo
Today · 4.125%
HK$121,345
baseline
▲ 0.50% · 4.625%
HK$128,728
+HK$7,383/mo
Deposit HK$10.73M · loan HK$25.04M · min. income ≈ HK$242,690/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,520,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,029
−HK$6,863/mo
▼ 0.25% · 3.875%
HK$130,436
−HK$3,456/mo
Today · 4.125%
HK$133,892
baseline
▲ 0.50% · 4.625%
HK$140,949
+HK$7,057/mo
Deposit HK$10.73M · loan HK$25.04M · min. income ≈ HK$267,784/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,520,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,808
−HK$9,206/mo
▼ 0.25% · 3.875%
HK$151,375
−HK$4,639/mo
Today · 4.125%
HK$156,014
baseline
▲ 0.50% · 4.625%
HK$165,508
+HK$9,494/mo
Deposit HK$3.58M · loan HK$32.19M · min. income ≈ HK$312,028/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,323
−HK$8,824/mo
▼ 0.25% · 3.875%
HK$167,703
−HK$4,444/mo
Today · 4.125%
HK$172,147
baseline
▲ 0.50% · 4.625%
HK$181,221
+HK$9,074/mo
Deposit HK$3.58M · loan HK$32.19M · min. income ≈ HK$344,294/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,140 · Scale 2, in force from 26 Feb 2026)