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$81,748
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,290
−HK$2,584/mo
Today · 4.125%
HK$86,874
baseline
▲ 0.50% · 4.625%
HK$92,160
+HK$5,286/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$173,748/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,523,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,943
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,382
−HK$2,475/mo
Today · 4.125%
HK$95,857
baseline
▲ 0.50% · 4.625%
HK$100,910
+HK$5,053/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$191,714/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,523,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,097
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,149
−HK$3,100/mo
Today · 4.125%
HK$104,249
baseline
▲ 0.50% · 4.625%
HK$110,592
+HK$6,343/mo
Deposit HK$14.34M · loan HK$21.51M · min. income ≈ HK$208,498/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,523,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,132
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$112,059
−HK$2,969/mo
Today · 4.125%
HK$115,028
baseline
▲ 0.50% · 4.625%
HK$121,091
+HK$6,063/mo
Deposit HK$14.34M · loan HK$21.51M · min. income ≈ HK$230,056/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,523,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,447
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$118,007
−HK$3,617/mo
Today · 4.125%
HK$121,624
baseline
▲ 0.50% · 4.625%
HK$129,024
+HK$7,400/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$243,248/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,523,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,321
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$130,735
−HK$3,465/mo
Today · 4.125%
HK$134,200
baseline
▲ 0.50% · 4.625%
HK$141,273
+HK$7,073/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$268,400/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,523,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,146
−HK$9,227/mo
▼ 0.25% · 3.875%
HK$151,723
−HK$4,650/mo
Today · 4.125%
HK$156,373
baseline
▲ 0.50% · 4.625%
HK$165,888
+HK$9,515/mo
Deposit HK$3.59M · loan HK$32.27M · min. income ≈ HK$312,746/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,698
−HK$8,844/mo
▼ 0.25% · 3.875%
HK$168,088
−HK$4,454/mo
Today · 4.125%
HK$172,542
baseline
▲ 0.50% · 4.625%
HK$181,637
+HK$9,095/mo
Deposit HK$3.59M · loan HK$32.27M · min. income ≈ HK$345,084/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,634 · Scale 2, in force from 26 Feb 2026)