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$81,626
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,165
−HK$2,579/mo
Today · 4.125%
HK$86,744
baseline
▲ 0.50% · 4.625%
HK$92,022
+HK$5,278/mo
Deposit HK$17.90M · loan HK$17.90M · min. income ≈ HK$173,488/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$1,521,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,808
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,243
−HK$2,471/mo
Today · 4.125%
HK$95,714
baseline
▲ 0.50% · 4.625%
HK$100,759
+HK$5,045/mo
Deposit HK$17.90M · loan HK$17.90M · min. income ≈ HK$191,428/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$1,521,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,951
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$100,998
−HK$3,095/mo
Today · 4.125%
HK$104,093
baseline
▲ 0.50% · 4.625%
HK$110,427
+HK$6,334/mo
Deposit HK$14.32M · loan HK$21.48M · min. income ≈ HK$208,186/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,521,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,969
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,892
−HK$2,964/mo
Today · 4.125%
HK$114,856
baseline
▲ 0.50% · 4.625%
HK$120,911
+HK$6,055/mo
Deposit HK$14.32M · loan HK$21.48M · min. income ≈ HK$229,712/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,521,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,276
−HK$7,166/mo
▼ 0.25% · 3.875%
HK$117,830
−HK$3,612/mo
Today · 4.125%
HK$121,442
baseline
▲ 0.50% · 4.625%
HK$128,831
+HK$7,389/mo
Deposit HK$10.74M · loan HK$25.06M · min. income ≈ HK$242,884/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,521,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,131
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$130,540
−HK$3,459/mo
Today · 4.125%
HK$133,999
baseline
▲ 0.50% · 4.625%
HK$141,062
+HK$7,063/mo
Deposit HK$10.74M · loan HK$25.06M · min. income ≈ HK$267,998/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,521,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,926
−HK$9,214/mo
▼ 0.25% · 3.875%
HK$151,496
−HK$4,644/mo
Today · 4.125%
HK$156,140
baseline
▲ 0.50% · 4.625%
HK$165,640
+HK$9,500/mo
Deposit HK$3.58M · loan HK$32.22M · min. income ≈ HK$312,280/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,521,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,454
−HK$8,831/mo
▼ 0.25% · 3.875%
HK$167,838
−HK$4,447/mo
Today · 4.125%
HK$172,285
baseline
▲ 0.50% · 4.625%
HK$181,366
+HK$9,081/mo
Deposit HK$3.58M · loan HK$32.22M · min. income ≈ HK$344,570/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,521,359 · Scale 2, in force from 26 Feb 2026)