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$81,581
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$84,119
−HK$2,578/mo
Today · 4.125%
HK$86,697
baseline
▲ 0.50% · 4.625%
HK$91,972
+HK$5,275/mo
Deposit HK$17.89M · loan HK$17.89M · min. income ≈ HK$173,394/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,520,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,758
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$93,192
−HK$2,469/mo
Today · 4.125%
HK$95,661
baseline
▲ 0.50% · 4.625%
HK$100,704
+HK$5,043/mo
Deposit HK$17.89M · loan HK$17.89M · min. income ≈ HK$191,322/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,520,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,897
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$100,942
−HK$3,094/mo
Today · 4.125%
HK$104,036
baseline
▲ 0.50% · 4.625%
HK$110,367
+HK$6,331/mo
Deposit HK$14.31M · loan HK$21.47M · min. income ≈ HK$208,072/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,910
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$111,831
−HK$2,963/mo
Today · 4.125%
HK$114,794
baseline
▲ 0.50% · 4.625%
HK$120,845
+HK$6,051/mo
Deposit HK$14.31M · loan HK$21.47M · min. income ≈ HK$229,588/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,213
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$117,766
−HK$3,610/mo
Today · 4.125%
HK$121,376
baseline
▲ 0.50% · 4.625%
HK$128,761
+HK$7,385/mo
Deposit HK$10.73M · loan HK$25.04M · min. income ≈ HK$242,752/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,520,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,061
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$130,469
−HK$3,457/mo
Today · 4.125%
HK$133,926
baseline
▲ 0.50% · 4.625%
HK$140,985
+HK$7,059/mo
Deposit HK$10.73M · loan HK$25.04M · min. income ≈ HK$267,852/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,520,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,846
−HK$9,208/mo
▼ 0.25% · 3.875%
HK$151,414
−HK$4,640/mo
Today · 4.125%
HK$156,054
baseline
▲ 0.50% · 4.625%
HK$165,550
+HK$9,496/mo
Deposit HK$3.58M · loan HK$32.20M · min. income ≈ HK$312,108/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,365
−HK$8,826/mo
▼ 0.25% · 3.875%
HK$167,746
−HK$4,445/mo
Today · 4.125%
HK$172,191
baseline
▲ 0.50% · 4.625%
HK$181,267
+HK$9,076/mo
Deposit HK$3.58M · loan HK$32.20M · min. income ≈ HK$344,382/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,528 · Scale 2, in force from 26 Feb 2026)