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$81,676
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,217
−HK$2,581/mo
Today · 4.125%
HK$86,798
baseline
▲ 0.50% · 4.625%
HK$92,080
+HK$5,282/mo
Deposit HK$17.91M · loan HK$17.91M · min. income ≈ HK$173,596/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,522,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,864
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,301
−HK$2,472/mo
Today · 4.125%
HK$95,773
baseline
▲ 0.50% · 4.625%
HK$100,822
+HK$5,049/mo
Deposit HK$17.91M · loan HK$17.91M · min. income ≈ HK$191,546/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,522,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,012
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$101,061
−HK$3,097/mo
Today · 4.125%
HK$104,158
baseline
▲ 0.50% · 4.625%
HK$110,496
+HK$6,338/mo
Deposit HK$14.33M · loan HK$21.49M · min. income ≈ HK$208,316/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,522,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,037
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,961
−HK$2,967/mo
Today · 4.125%
HK$114,928
baseline
▲ 0.50% · 4.625%
HK$120,986
+HK$6,058/mo
Deposit HK$14.33M · loan HK$21.49M · min. income ≈ HK$229,856/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,522,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,347
−HK$7,171/mo
▼ 0.25% · 3.875%
HK$117,904
−HK$3,614/mo
Today · 4.125%
HK$121,518
baseline
▲ 0.50% · 4.625%
HK$128,912
+HK$7,394/mo
Deposit HK$10.75M · loan HK$25.07M · min. income ≈ HK$243,036/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,522,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,210
−HK$6,873/mo
▼ 0.25% · 3.875%
HK$130,622
−HK$3,461/mo
Today · 4.125%
HK$134,083
baseline
▲ 0.50% · 4.625%
HK$141,150
+HK$7,067/mo
Deposit HK$10.75M · loan HK$25.07M · min. income ≈ HK$268,166/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,522,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,018
−HK$9,219/mo
▼ 0.25% · 3.875%
HK$151,591
−HK$4,646/mo
Today · 4.125%
HK$156,237
baseline
▲ 0.50% · 4.625%
HK$165,744
+HK$9,507/mo
Deposit HK$3.58M · loan HK$32.24M · min. income ≈ HK$312,474/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,522,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,556
−HK$8,836/mo
▼ 0.25% · 3.875%
HK$167,942
−HK$4,450/mo
Today · 4.125%
HK$172,392
baseline
▲ 0.50% · 4.625%
HK$181,479
+HK$9,087/mo
Deposit HK$3.58M · loan HK$32.24M · min. income ≈ HK$344,784/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,522,308 · Scale 2, in force from 26 Feb 2026)