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$81,693
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,234
−HK$2,582/mo
Today · 4.125%
HK$86,816
baseline
▲ 0.50% · 4.625%
HK$92,098
+HK$5,282/mo
Deposit HK$17.91M · loan HK$17.91M · min. income ≈ HK$173,632/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,522,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,882
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,320
−HK$2,472/mo
Today · 4.125%
HK$95,792
baseline
▲ 0.50% · 4.625%
HK$100,842
+HK$5,050/mo
Deposit HK$17.91M · loan HK$17.91M · min. income ≈ HK$191,584/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,522,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,031
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,081
−HK$3,098/mo
Today · 4.125%
HK$104,179
baseline
▲ 0.50% · 4.625%
HK$110,518
+HK$6,339/mo
Deposit HK$14.33M · loan HK$21.50M · min. income ≈ HK$208,358/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,522,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,059
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,984
−HK$2,967/mo
Today · 4.125%
HK$114,951
baseline
▲ 0.50% · 4.625%
HK$121,010
+HK$6,059/mo
Deposit HK$14.33M · loan HK$21.50M · min. income ≈ HK$229,902/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,522,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,370
−HK$7,172/mo
▼ 0.25% · 3.875%
HK$117,927
−HK$3,615/mo
Today · 4.125%
HK$121,542
baseline
▲ 0.50% · 4.625%
HK$128,937
+HK$7,395/mo
Deposit HK$10.75M · loan HK$25.08M · min. income ≈ HK$243,084/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,522,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,235
−HK$6,874/mo
▼ 0.25% · 3.875%
HK$130,648
−HK$3,461/mo
Today · 4.125%
HK$134,109
baseline
▲ 0.50% · 4.625%
HK$141,178
+HK$7,069/mo
Deposit HK$10.75M · loan HK$25.08M · min. income ≈ HK$268,218/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,522,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,047
−HK$9,221/mo
▼ 0.25% · 3.875%
HK$151,621
−HK$4,647/mo
Today · 4.125%
HK$156,268
baseline
▲ 0.50% · 4.625%
HK$165,777
+HK$9,509/mo
Deposit HK$3.58M · loan HK$32.24M · min. income ≈ HK$312,536/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,522,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,588
−HK$8,838/mo
▼ 0.25% · 3.875%
HK$167,975
−HK$4,451/mo
Today · 4.125%
HK$172,426
baseline
▲ 0.50% · 4.625%
HK$181,515
+HK$9,089/mo
Deposit HK$3.58M · loan HK$32.24M · min. income ≈ HK$344,852/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,522,610 · Scale 2, in force from 26 Feb 2026)