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$81,756
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,299
−HK$2,583/mo
Today · 4.125%
HK$86,882
baseline
▲ 0.50% · 4.625%
HK$92,169
+HK$5,287/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$173,764/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,523,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,952
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,391
−HK$2,475/mo
Today · 4.125%
HK$95,866
baseline
▲ 0.50% · 4.625%
HK$100,919
+HK$5,053/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$191,732/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,523,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,107
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,158
−HK$3,101/mo
Today · 4.125%
HK$104,259
baseline
▲ 0.50% · 4.625%
HK$110,603
+HK$6,344/mo
Deposit HK$14.34M · loan HK$21.51M · min. income ≈ HK$208,518/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,523,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,143
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$112,070
−HK$2,969/mo
Today · 4.125%
HK$115,039
baseline
▲ 0.50% · 4.625%
HK$121,103
+HK$6,064/mo
Deposit HK$14.34M · loan HK$21.51M · min. income ≈ HK$230,078/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,523,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,458
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$118,018
−HK$3,617/mo
Today · 4.125%
HK$121,635
baseline
▲ 0.50% · 4.625%
HK$129,036
+HK$7,401/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$243,270/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,523,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,333
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$130,748
−HK$3,464/mo
Today · 4.125%
HK$134,212
baseline
▲ 0.50% · 4.625%
HK$141,287
+HK$7,075/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$268,424/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,523,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,160
−HK$9,228/mo
▼ 0.25% · 3.875%
HK$151,737
−HK$4,651/mo
Today · 4.125%
HK$156,388
baseline
▲ 0.50% · 4.625%
HK$165,904
+HK$9,516/mo
Deposit HK$3.59M · loan HK$32.27M · min. income ≈ HK$312,776/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,714
−HK$8,845/mo
▼ 0.25% · 3.875%
HK$168,105
−HK$4,454/mo
Today · 4.125%
HK$172,559
baseline
▲ 0.50% · 4.625%
HK$181,655
+HK$9,096/mo
Deposit HK$3.59M · loan HK$32.27M · min. income ≈ HK$345,118/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,780 · Scale 2, in force from 26 Feb 2026)