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$81,480
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,015
−HK$2,575/mo
Today · 4.125%
HK$86,590
baseline
▲ 0.50% · 4.625%
HK$91,859
+HK$5,269/mo
Deposit HK$17.87M · loan HK$17.87M · min. income ≈ HK$173,180/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$1,518,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,646
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$93,077
−HK$2,467/mo
Today · 4.125%
HK$95,544
baseline
▲ 0.50% · 4.625%
HK$100,580
+HK$5,036/mo
Deposit HK$17.87M · loan HK$17.87M · min. income ≈ HK$191,088/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$1,518,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,777
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,818
−HK$3,090/mo
Today · 4.125%
HK$103,908
baseline
▲ 0.50% · 4.625%
HK$110,231
+HK$6,323/mo
Deposit HK$14.29M · loan HK$21.44M · min. income ≈ HK$207,816/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,518,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,775
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$111,693
−HK$2,959/mo
Today · 4.125%
HK$114,652
baseline
▲ 0.50% · 4.625%
HK$120,696
+HK$6,044/mo
Deposit HK$14.29M · loan HK$21.44M · min. income ≈ HK$229,304/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,518,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,073
−HK$7,153/mo
▼ 0.25% · 3.875%
HK$117,621
−HK$3,605/mo
Today · 4.125%
HK$121,226
baseline
▲ 0.50% · 4.625%
HK$128,602
+HK$7,376/mo
Deposit HK$10.72M · loan HK$25.01M · min. income ≈ HK$242,452/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,518,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,905
−HK$6,856/mo
▼ 0.25% · 3.875%
HK$130,308
−HK$3,453/mo
Today · 4.125%
HK$133,761
baseline
▲ 0.50% · 4.625%
HK$140,812
+HK$7,051/mo
Deposit HK$10.72M · loan HK$25.01M · min. income ≈ HK$267,522/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,518,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,665
−HK$9,197/mo
▼ 0.25% · 3.875%
HK$151,227
−HK$4,635/mo
Today · 4.125%
HK$155,862
baseline
▲ 0.50% · 4.625%
HK$165,346
+HK$9,484/mo
Deposit HK$3.57M · loan HK$32.16M · min. income ≈ HK$311,724/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,518,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,163
−HK$8,815/mo
▼ 0.25% · 3.875%
HK$167,539
−HK$4,439/mo
Today · 4.125%
HK$171,978
baseline
▲ 0.50% · 4.625%
HK$181,044
+HK$9,066/mo
Deposit HK$3.57M · loan HK$32.16M · min. income ≈ HK$343,956/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,518,654 · Scale 2, in force from 26 Feb 2026)