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$81,507
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,042
−HK$2,576/mo
Today · 4.125%
HK$86,618
baseline
▲ 0.50% · 4.625%
HK$91,889
+HK$5,271/mo
Deposit HK$17.87M · loan HK$17.87M · min. income ≈ HK$173,236/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$1,519,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,676
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,107
−HK$2,468/mo
Today · 4.125%
HK$95,575
baseline
▲ 0.50% · 4.625%
HK$100,612
+HK$5,037/mo
Deposit HK$17.87M · loan HK$17.87M · min. income ≈ HK$191,150/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$1,519,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,808
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$100,851
−HK$3,091/mo
Today · 4.125%
HK$103,942
baseline
▲ 0.50% · 4.625%
HK$110,266
+HK$6,324/mo
Deposit HK$14.30M · loan HK$21.45M · min. income ≈ HK$207,884/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,519,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,811
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$111,729
−HK$2,960/mo
Today · 4.125%
HK$114,689
baseline
▲ 0.50% · 4.625%
HK$120,735
+HK$6,046/mo
Deposit HK$14.30M · loan HK$21.45M · min. income ≈ HK$229,378/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,519,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,110
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$117,659
−HK$3,606/mo
Today · 4.125%
HK$121,265
baseline
▲ 0.50% · 4.625%
HK$128,644
+HK$7,379/mo
Deposit HK$10.72M · loan HK$25.02M · min. income ≈ HK$242,530/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,519,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,946
−HK$6,858/mo
▼ 0.25% · 3.875%
HK$130,350
−HK$3,454/mo
Today · 4.125%
HK$133,804
baseline
▲ 0.50% · 4.625%
HK$140,857
+HK$7,053/mo
Deposit HK$10.72M · loan HK$25.02M · min. income ≈ HK$267,608/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,519,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,712
−HK$9,201/mo
▼ 0.25% · 3.875%
HK$151,276
−HK$4,637/mo
Today · 4.125%
HK$155,913
baseline
▲ 0.50% · 4.625%
HK$165,399
+HK$9,486/mo
Deposit HK$3.57M · loan HK$32.17M · min. income ≈ HK$311,826/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,519,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,216
−HK$8,818/mo
▼ 0.25% · 3.875%
HK$167,593
−HK$4,441/mo
Today · 4.125%
HK$172,034
baseline
▲ 0.50% · 4.625%
HK$181,102
+HK$9,068/mo
Deposit HK$3.57M · loan HK$32.17M · min. income ≈ HK$344,068/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,519,147 · Scale 2, in force from 26 Feb 2026)