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$81,762
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,306
−HK$2,583/mo
Today · 4.125%
HK$86,889
baseline
▲ 0.50% · 4.625%
HK$92,177
+HK$5,288/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$173,778/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,523,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,960
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,399
−HK$2,475/mo
Today · 4.125%
HK$95,874
baseline
▲ 0.50% · 4.625%
HK$100,928
+HK$5,054/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$191,748/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,523,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,115
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,167
−HK$3,100/mo
Today · 4.125%
HK$104,267
baseline
▲ 0.50% · 4.625%
HK$110,612
+HK$6,345/mo
Deposit HK$14.34M · loan HK$21.51M · min. income ≈ HK$208,534/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,523,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,152
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,079
−HK$2,970/mo
Today · 4.125%
HK$115,049
baseline
▲ 0.50% · 4.625%
HK$121,113
+HK$6,064/mo
Deposit HK$14.34M · loan HK$21.51M · min. income ≈ HK$230,098/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,523,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,467
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$118,028
−HK$3,617/mo
Today · 4.125%
HK$121,645
baseline
▲ 0.50% · 4.625%
HK$129,047
+HK$7,402/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$243,290/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,523,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,344
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$130,759
−HK$3,465/mo
Today · 4.125%
HK$134,224
baseline
▲ 0.50% · 4.625%
HK$141,299
+HK$7,075/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$268,448/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,523,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,172
−HK$9,229/mo
▼ 0.25% · 3.875%
HK$151,750
−HK$4,651/mo
Today · 4.125%
HK$156,401
baseline
▲ 0.50% · 4.625%
HK$165,918
+HK$9,517/mo
Deposit HK$3.59M · loan HK$32.27M · min. income ≈ HK$312,802/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,727
−HK$8,846/mo
▼ 0.25% · 3.875%
HK$168,119
−HK$4,454/mo
Today · 4.125%
HK$172,573
baseline
▲ 0.50% · 4.625%
HK$181,670
+HK$9,097/mo
Deposit HK$3.59M · loan HK$32.27M · min. income ≈ HK$345,146/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,907 · Scale 2, in force from 26 Feb 2026)