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$81,669
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$84,209
−HK$2,581/mo
Today · 4.125%
HK$86,790
baseline
▲ 0.50% · 4.625%
HK$92,071
+HK$5,281/mo
Deposit HK$17.91M · loan HK$17.91M · min. income ≈ HK$173,580/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,522,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,856
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,293
−HK$2,472/mo
Today · 4.125%
HK$95,765
baseline
▲ 0.50% · 4.625%
HK$100,812
+HK$5,047/mo
Deposit HK$17.91M · loan HK$17.91M · min. income ≈ HK$191,530/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,522,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,003
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,051
−HK$3,097/mo
Today · 4.125%
HK$104,148
baseline
▲ 0.50% · 4.625%
HK$110,486
+HK$6,338/mo
Deposit HK$14.33M · loan HK$21.49M · min. income ≈ HK$208,296/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,522,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,027
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,951
−HK$2,967/mo
Today · 4.125%
HK$114,918
baseline
▲ 0.50% · 4.625%
HK$120,975
+HK$6,057/mo
Deposit HK$14.33M · loan HK$21.49M · min. income ≈ HK$229,836/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,522,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,337
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$117,893
−HK$3,613/mo
Today · 4.125%
HK$121,506
baseline
▲ 0.50% · 4.625%
HK$128,900
+HK$7,394/mo
Deposit HK$10.74M · loan HK$25.07M · min. income ≈ HK$243,012/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,522,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,198
−HK$6,872/mo
▼ 0.25% · 3.875%
HK$130,610
−HK$3,460/mo
Today · 4.125%
HK$134,070
baseline
▲ 0.50% · 4.625%
HK$141,137
+HK$7,067/mo
Deposit HK$10.74M · loan HK$25.07M · min. income ≈ HK$268,140/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,522,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,004
−HK$9,219/mo
▼ 0.25% · 3.875%
HK$151,577
−HK$4,646/mo
Today · 4.125%
HK$156,223
baseline
▲ 0.50% · 4.625%
HK$165,728
+HK$9,505/mo
Deposit HK$3.58M · loan HK$32.23M · min. income ≈ HK$312,446/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,522,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,541
−HK$8,835/mo
▼ 0.25% · 3.875%
HK$167,927
−HK$4,449/mo
Today · 4.125%
HK$172,376
baseline
▲ 0.50% · 4.625%
HK$181,462
+HK$9,086/mo
Deposit HK$3.58M · loan HK$32.23M · min. income ≈ HK$344,752/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,522,168 · Scale 2, in force from 26 Feb 2026)