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$81,510
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,046
−HK$2,576/mo
Today · 4.125%
HK$86,622
baseline
▲ 0.50% · 4.625%
HK$91,892
+HK$5,270/mo
Deposit HK$17.87M · loan HK$17.87M · min. income ≈ HK$173,244/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$1,519,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,679
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,111
−HK$2,467/mo
Today · 4.125%
HK$95,578
baseline
▲ 0.50% · 4.625%
HK$100,616
+HK$5,038/mo
Deposit HK$17.87M · loan HK$17.87M · min. income ≈ HK$191,156/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$1,519,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,812
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$100,855
−HK$3,091/mo
Today · 4.125%
HK$103,946
baseline
▲ 0.50% · 4.625%
HK$110,271
+HK$6,325/mo
Deposit HK$14.30M · loan HK$21.45M · min. income ≈ HK$207,892/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,519,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,815
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$111,733
−HK$2,961/mo
Today · 4.125%
HK$114,694
baseline
▲ 0.50% · 4.625%
HK$120,740
+HK$6,046/mo
Deposit HK$14.30M · loan HK$21.45M · min. income ≈ HK$229,388/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,519,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,114
−HK$7,156/mo
▼ 0.25% · 3.875%
HK$117,664
−HK$3,606/mo
Today · 4.125%
HK$121,270
baseline
▲ 0.50% · 4.625%
HK$128,649
+HK$7,379/mo
Deposit HK$10.72M · loan HK$25.02M · min. income ≈ HK$242,540/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,519,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,951
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$130,356
−HK$3,454/mo
Today · 4.125%
HK$133,810
baseline
▲ 0.50% · 4.625%
HK$140,863
+HK$7,053/mo
Deposit HK$10.72M · loan HK$25.02M · min. income ≈ HK$267,620/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,519,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,718
−HK$9,201/mo
▼ 0.25% · 3.875%
HK$151,282
−HK$4,637/mo
Today · 4.125%
HK$155,919
baseline
▲ 0.50% · 4.625%
HK$165,406
+HK$9,487/mo
Deposit HK$3.57M · loan HK$32.17M · min. income ≈ HK$311,838/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,519,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,223
−HK$8,818/mo
▼ 0.25% · 3.875%
HK$167,600
−HK$4,441/mo
Today · 4.125%
HK$172,041
baseline
▲ 0.50% · 4.625%
HK$181,109
+HK$9,068/mo
Deposit HK$3.57M · loan HK$32.17M · min. income ≈ HK$344,082/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,519,207 · Scale 2, in force from 26 Feb 2026)