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$81,596
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,134
−HK$2,579/mo
Today · 4.125%
HK$86,713
baseline
▲ 0.50% · 4.625%
HK$91,989
+HK$5,276/mo
Deposit HK$17.89M · loan HK$17.89M · min. income ≈ HK$173,426/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,520,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,775
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$93,209
−HK$2,470/mo
Today · 4.125%
HK$95,679
baseline
▲ 0.50% · 4.625%
HK$100,723
+HK$5,044/mo
Deposit HK$17.89M · loan HK$17.89M · min. income ≈ HK$191,358/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,520,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,915
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,961
−HK$3,095/mo
Today · 4.125%
HK$104,056
baseline
▲ 0.50% · 4.625%
HK$110,387
+HK$6,331/mo
Deposit HK$14.31M · loan HK$21.47M · min. income ≈ HK$208,112/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,930
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$111,851
−HK$2,964/mo
Today · 4.125%
HK$114,815
baseline
▲ 0.50% · 4.625%
HK$120,867
+HK$6,052/mo
Deposit HK$14.31M · loan HK$21.47M · min. income ≈ HK$229,630/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,235
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$117,788
−HK$3,610/mo
Today · 4.125%
HK$121,398
baseline
▲ 0.50% · 4.625%
HK$128,785
+HK$7,387/mo
Deposit HK$10.74M · loan HK$25.05M · min. income ≈ HK$242,796/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,520,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,085
−HK$6,866/mo
▼ 0.25% · 3.875%
HK$130,493
−HK$3,458/mo
Today · 4.125%
HK$133,951
baseline
▲ 0.50% · 4.625%
HK$141,012
+HK$7,061/mo
Deposit HK$10.74M · loan HK$25.05M · min. income ≈ HK$267,902/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,520,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,873
−HK$9,210/mo
▼ 0.25% · 3.875%
HK$151,442
−HK$4,641/mo
Today · 4.125%
HK$156,083
baseline
▲ 0.50% · 4.625%
HK$165,581
+HK$9,498/mo
Deposit HK$3.58M · loan HK$32.21M · min. income ≈ HK$312,166/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,395
−HK$8,828/mo
▼ 0.25% · 3.875%
HK$167,777
−HK$4,446/mo
Today · 4.125%
HK$172,223
baseline
▲ 0.50% · 4.625%
HK$181,301
+HK$9,078/mo
Deposit HK$3.58M · loan HK$32.21M · min. income ≈ HK$344,446/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,811 · Scale 2, in force from 26 Feb 2026)