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$81,579
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$84,117
−HK$2,578/mo
Today · 4.125%
HK$86,695
baseline
▲ 0.50% · 4.625%
HK$91,970
+HK$5,275/mo
Deposit HK$17.89M · loan HK$17.89M · min. income ≈ HK$173,390/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,520,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,756
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$93,190
−HK$2,469/mo
Today · 4.125%
HK$95,659
baseline
▲ 0.50% · 4.625%
HK$100,701
+HK$5,042/mo
Deposit HK$17.89M · loan HK$17.89M · min. income ≈ HK$191,318/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,520,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,895
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$100,940
−HK$3,094/mo
Today · 4.125%
HK$104,034
baseline
▲ 0.50% · 4.625%
HK$110,364
+HK$6,330/mo
Deposit HK$14.31M · loan HK$21.47M · min. income ≈ HK$208,068/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,907
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$111,828
−HK$2,963/mo
Today · 4.125%
HK$114,791
baseline
▲ 0.50% · 4.625%
HK$120,842
+HK$6,051/mo
Deposit HK$14.31M · loan HK$21.47M · min. income ≈ HK$229,582/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,211
−HK$7,162/mo
▼ 0.25% · 3.875%
HK$117,763
−HK$3,610/mo
Today · 4.125%
HK$121,373
baseline
▲ 0.50% · 4.625%
HK$128,758
+HK$7,385/mo
Deposit HK$10.73M · loan HK$25.04M · min. income ≈ HK$242,746/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,520,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,058
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$130,466
−HK$3,457/mo
Today · 4.125%
HK$133,923
baseline
▲ 0.50% · 4.625%
HK$140,982
+HK$7,059/mo
Deposit HK$10.73M · loan HK$25.04M · min. income ≈ HK$267,846/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,520,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,842
−HK$9,209/mo
▼ 0.25% · 3.875%
HK$151,410
−HK$4,641/mo
Today · 4.125%
HK$156,051
baseline
▲ 0.50% · 4.625%
HK$165,546
+HK$9,495/mo
Deposit HK$3.58M · loan HK$32.20M · min. income ≈ HK$312,102/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,361
−HK$8,825/mo
▼ 0.25% · 3.875%
HK$167,742
−HK$4,444/mo
Today · 4.125%
HK$172,186
baseline
▲ 0.50% · 4.625%
HK$181,263
+HK$9,077/mo
Deposit HK$3.58M · loan HK$32.20M · min. income ≈ HK$344,372/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,491 · Scale 2, in force from 26 Feb 2026)