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$81,696
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,237
−HK$2,582/mo
Today · 4.125%
HK$86,819
baseline
▲ 0.50% · 4.625%
HK$92,102
+HK$5,283/mo
Deposit HK$17.91M · loan HK$17.91M · min. income ≈ HK$173,638/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,522,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,886
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,324
−HK$2,472/mo
Today · 4.125%
HK$95,796
baseline
▲ 0.50% · 4.625%
HK$100,846
+HK$5,050/mo
Deposit HK$17.91M · loan HK$17.91M · min. income ≈ HK$191,592/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,522,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,035
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,085
−HK$3,098/mo
Today · 4.125%
HK$104,183
baseline
▲ 0.50% · 4.625%
HK$110,522
+HK$6,339/mo
Deposit HK$14.33M · loan HK$21.50M · min. income ≈ HK$208,366/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,522,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,063
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$111,988
−HK$2,968/mo
Today · 4.125%
HK$114,956
baseline
▲ 0.50% · 4.625%
HK$121,015
+HK$6,059/mo
Deposit HK$14.33M · loan HK$21.50M · min. income ≈ HK$229,912/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,522,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,375
−HK$7,172/mo
▼ 0.25% · 3.875%
HK$117,932
−HK$3,615/mo
Today · 4.125%
HK$121,547
baseline
▲ 0.50% · 4.625%
HK$128,943
+HK$7,396/mo
Deposit HK$10.75M · loan HK$25.08M · min. income ≈ HK$243,094/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,522,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,241
−HK$6,874/mo
▼ 0.25% · 3.875%
HK$130,653
−HK$3,462/mo
Today · 4.125%
HK$134,115
baseline
▲ 0.50% · 4.625%
HK$141,184
+HK$7,069/mo
Deposit HK$10.75M · loan HK$25.08M · min. income ≈ HK$268,230/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,522,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,053
−HK$9,222/mo
▼ 0.25% · 3.875%
HK$151,627
−HK$4,648/mo
Today · 4.125%
HK$156,275
baseline
▲ 0.50% · 4.625%
HK$165,783
+HK$9,508/mo
Deposit HK$3.58M · loan HK$32.24M · min. income ≈ HK$312,550/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,522,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,595
−HK$8,839/mo
▼ 0.25% · 3.875%
HK$167,983
−HK$4,451/mo
Today · 4.125%
HK$172,434
baseline
▲ 0.50% · 4.625%
HK$181,523
+HK$9,089/mo
Deposit HK$3.58M · loan HK$32.24M · min. income ≈ HK$344,868/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,522,674 · Scale 2, in force from 26 Feb 2026)