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$81,649
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$84,189
−HK$2,580/mo
Today · 4.125%
HK$86,769
baseline
▲ 0.50% · 4.625%
HK$92,049
+HK$5,280/mo
Deposit HK$17.90M · loan HK$17.90M · min. income ≈ HK$173,538/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,521,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,834
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$93,270
−HK$2,471/mo
Today · 4.125%
HK$95,741
baseline
▲ 0.50% · 4.625%
HK$100,788
+HK$5,047/mo
Deposit HK$17.90M · loan HK$17.90M · min. income ≈ HK$191,482/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,521,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,979
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$101,027
−HK$3,096/mo
Today · 4.125%
HK$104,123
baseline
▲ 0.50% · 4.625%
HK$110,459
+HK$6,336/mo
Deposit HK$14.32M · loan HK$21.48M · min. income ≈ HK$208,246/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,521,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,001
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$111,924
−HK$2,966/mo
Today · 4.125%
HK$114,890
baseline
▲ 0.50% · 4.625%
HK$120,945
+HK$6,055/mo
Deposit HK$14.32M · loan HK$21.48M · min. income ≈ HK$229,780/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,521,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,309
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$117,864
−HK$3,613/mo
Today · 4.125%
HK$121,477
baseline
▲ 0.50% · 4.625%
HK$128,868
+HK$7,391/mo
Deposit HK$10.74M · loan HK$25.06M · min. income ≈ HK$242,954/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,521,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,167
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$130,578
−HK$3,460/mo
Today · 4.125%
HK$134,038
baseline
▲ 0.50% · 4.625%
HK$141,103
+HK$7,065/mo
Deposit HK$10.74M · loan HK$25.06M · min. income ≈ HK$268,076/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,521,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,968
−HK$9,217/mo
▼ 0.25% · 3.875%
HK$151,540
−HK$4,645/mo
Today · 4.125%
HK$156,185
baseline
▲ 0.50% · 4.625%
HK$165,688
+HK$9,503/mo
Deposit HK$3.58M · loan HK$32.23M · min. income ≈ HK$312,370/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,521,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,501
−HK$8,833/mo
▼ 0.25% · 3.875%
HK$167,886
−HK$4,448/mo
Today · 4.125%
HK$172,334
baseline
▲ 0.50% · 4.625%
HK$181,418
+HK$9,084/mo
Deposit HK$3.58M · loan HK$32.23M · min. income ≈ HK$344,668/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,521,797 · Scale 2, in force from 26 Feb 2026)