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$81,897
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,444
−HK$2,588/mo
Today · 4.125%
HK$87,032
baseline
▲ 0.50% · 4.625%
HK$92,328
+HK$5,296/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$174,064/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,526,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,109
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,553
−HK$2,479/mo
Today · 4.125%
HK$96,032
baseline
▲ 0.50% · 4.625%
HK$101,093
+HK$5,061/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$192,064/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,526,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,276
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,333
−HK$3,106/mo
Today · 4.125%
HK$104,439
baseline
▲ 0.50% · 4.625%
HK$110,794
+HK$6,355/mo
Deposit HK$14.37M · loan HK$21.55M · min. income ≈ HK$208,878/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,331
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$112,263
−HK$2,975/mo
Today · 4.125%
HK$115,238
baseline
▲ 0.50% · 4.625%
HK$121,312
+HK$6,074/mo
Deposit HK$14.37M · loan HK$21.55M · min. income ≈ HK$230,476/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,655
−HK$7,190/mo
▼ 0.25% · 3.875%
HK$118,222
−HK$3,623/mo
Today · 4.125%
HK$121,845
baseline
▲ 0.50% · 4.625%
HK$129,259
+HK$7,414/mo
Deposit HK$10.77M · loan HK$25.14M · min. income ≈ HK$243,690/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,553
−HK$6,891/mo
▼ 0.25% · 3.875%
HK$130,974
−HK$3,470/mo
Today · 4.125%
HK$134,444
baseline
▲ 0.50% · 4.625%
HK$141,531
+HK$7,087/mo
Deposit HK$10.77M · loan HK$25.14M · min. income ≈ HK$268,888/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,414
−HK$9,244/mo
▼ 0.25% · 3.875%
HK$151,999
−HK$4,659/mo
Today · 4.125%
HK$156,658
baseline
▲ 0.50% · 4.625%
HK$166,190
+HK$9,532/mo
Deposit HK$3.59M · loan HK$32.32M · min. income ≈ HK$313,316/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,996
−HK$8,861/mo
▼ 0.25% · 3.875%
HK$168,395
−HK$4,462/mo
Today · 4.125%
HK$172,857
baseline
▲ 0.50% · 4.625%
HK$181,968
+HK$9,111/mo
Deposit HK$3.59M · loan HK$32.32M · min. income ≈ HK$345,714/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,410 · Scale 2, in force from 26 Feb 2026)