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$81,592
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$84,130
−HK$2,578/mo
Today · 4.125%
HK$86,708
baseline
▲ 0.50% · 4.625%
HK$91,985
+HK$5,277/mo
Deposit HK$17.89M · loan HK$17.89M · min. income ≈ HK$173,416/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,520,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,770
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$93,205
−HK$2,469/mo
Today · 4.125%
HK$95,674
baseline
▲ 0.50% · 4.625%
HK$100,717
+HK$5,043/mo
Deposit HK$17.89M · loan HK$17.89M · min. income ≈ HK$191,348/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,520,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,910
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$100,956
−HK$3,094/mo
Today · 4.125%
HK$104,050
baseline
▲ 0.50% · 4.625%
HK$110,381
+HK$6,331/mo
Deposit HK$14.31M · loan HK$21.47M · min. income ≈ HK$208,100/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,924
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$111,846
−HK$2,963/mo
Today · 4.125%
HK$114,809
baseline
▲ 0.50% · 4.625%
HK$120,861
+HK$6,052/mo
Deposit HK$14.31M · loan HK$21.47M · min. income ≈ HK$229,618/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,229
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$117,782
−HK$3,610/mo
Today · 4.125%
HK$121,392
baseline
▲ 0.50% · 4.625%
HK$128,778
+HK$7,386/mo
Deposit HK$10.73M · loan HK$25.05M · min. income ≈ HK$242,784/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,520,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,078
−HK$6,866/mo
▼ 0.25% · 3.875%
HK$130,487
−HK$3,457/mo
Today · 4.125%
HK$133,944
baseline
▲ 0.50% · 4.625%
HK$141,004
+HK$7,060/mo
Deposit HK$10.73M · loan HK$25.05M · min. income ≈ HK$267,888/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,520,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,866
−HK$9,209/mo
▼ 0.25% · 3.875%
HK$151,434
−HK$4,641/mo
Today · 4.125%
HK$156,075
baseline
▲ 0.50% · 4.625%
HK$165,572
+HK$9,497/mo
Deposit HK$3.58M · loan HK$32.20M · min. income ≈ HK$312,150/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,386
−HK$8,828/mo
▼ 0.25% · 3.875%
HK$167,768
−HK$4,446/mo
Today · 4.125%
HK$172,214
baseline
▲ 0.50% · 4.625%
HK$181,291
+HK$9,077/mo
Deposit HK$3.58M · loan HK$32.20M · min. income ≈ HK$344,428/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,732 · Scale 2, in force from 26 Feb 2026)