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$81,519
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,055
−HK$2,576/mo
Today · 4.125%
HK$86,631
baseline
▲ 0.50% · 4.625%
HK$91,903
+HK$5,272/mo
Deposit HK$17.88M · loan HK$17.88M · min. income ≈ HK$173,262/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$1,519,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,690
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,122
−HK$2,467/mo
Today · 4.125%
HK$95,589
baseline
▲ 0.50% · 4.625%
HK$100,628
+HK$5,039/mo
Deposit HK$17.88M · loan HK$17.88M · min. income ≈ HK$191,178/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$1,519,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,823
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,866
−HK$3,092/mo
Today · 4.125%
HK$103,958
baseline
▲ 0.50% · 4.625%
HK$110,283
+HK$6,325/mo
Deposit HK$14.30M · loan HK$21.45M · min. income ≈ HK$207,916/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,519,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,827
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,746
−HK$2,961/mo
Today · 4.125%
HK$114,707
baseline
▲ 0.50% · 4.625%
HK$120,753
+HK$6,046/mo
Deposit HK$14.30M · loan HK$21.45M · min. income ≈ HK$229,414/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,519,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,127
−HK$7,157/mo
▼ 0.25% · 3.875%
HK$117,677
−HK$3,607/mo
Today · 4.125%
HK$121,284
baseline
▲ 0.50% · 4.625%
HK$128,664
+HK$7,380/mo
Deposit HK$10.73M · loan HK$25.03M · min. income ≈ HK$242,568/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,519,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,965
−HK$6,860/mo
▼ 0.25% · 3.875%
HK$130,370
−HK$3,455/mo
Today · 4.125%
HK$133,825
baseline
▲ 0.50% · 4.625%
HK$140,879
+HK$7,054/mo
Deposit HK$10.73M · loan HK$25.03M · min. income ≈ HK$267,650/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,519,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,735
−HK$9,201/mo
▼ 0.25% · 3.875%
HK$151,299
−HK$4,637/mo
Today · 4.125%
HK$155,936
baseline
▲ 0.50% · 4.625%
HK$165,425
+HK$9,489/mo
Deposit HK$3.58M · loan HK$32.18M · min. income ≈ HK$311,872/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,519,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,241
−HK$8,820/mo
▼ 0.25% · 3.875%
HK$167,619
−HK$4,442/mo
Today · 4.125%
HK$172,061
baseline
▲ 0.50% · 4.625%
HK$181,130
+HK$9,069/mo
Deposit HK$3.58M · loan HK$32.18M · min. income ≈ HK$344,122/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,519,380 · Scale 2, in force from 26 Feb 2026)