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$81,615
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,153
−HK$2,580/mo
Today · 4.125%
HK$86,733
baseline
▲ 0.50% · 4.625%
HK$92,010
+HK$5,277/mo
Deposit HK$17.90M · loan HK$17.90M · min. income ≈ HK$173,466/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$1,521,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,795
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,231
−HK$2,470/mo
Today · 4.125%
HK$95,701
baseline
▲ 0.50% · 4.625%
HK$100,745
+HK$5,044/mo
Deposit HK$17.90M · loan HK$17.90M · min. income ≈ HK$191,402/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$1,521,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,938
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,984
−HK$3,095/mo
Today · 4.125%
HK$104,079
baseline
▲ 0.50% · 4.625%
HK$110,412
+HK$6,333/mo
Deposit HK$14.32M · loan HK$21.48M · min. income ≈ HK$208,158/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,521,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,955
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,877
−HK$2,964/mo
Today · 4.125%
HK$114,841
baseline
▲ 0.50% · 4.625%
HK$120,894
+HK$6,053/mo
Deposit HK$14.32M · loan HK$21.48M · min. income ≈ HK$229,682/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,521,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,260
−HK$7,166/mo
▼ 0.25% · 3.875%
HK$117,815
−HK$3,611/mo
Today · 4.125%
HK$121,426
baseline
▲ 0.50% · 4.625%
HK$128,814
+HK$7,388/mo
Deposit HK$10.74M · loan HK$25.05M · min. income ≈ HK$242,852/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,521,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,114
−HK$6,867/mo
▼ 0.25% · 3.875%
HK$130,523
−HK$3,458/mo
Today · 4.125%
HK$133,981
baseline
▲ 0.50% · 4.625%
HK$141,044
+HK$7,063/mo
Deposit HK$10.74M · loan HK$25.05M · min. income ≈ HK$267,962/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,521,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,906
−HK$9,213/mo
▼ 0.25% · 3.875%
HK$151,476
−HK$4,643/mo
Today · 4.125%
HK$156,119
baseline
▲ 0.50% · 4.625%
HK$165,618
+HK$9,499/mo
Deposit HK$3.58M · loan HK$32.21M · min. income ≈ HK$312,238/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,521,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,432
−HK$8,830/mo
▼ 0.25% · 3.875%
HK$167,815
−HK$4,447/mo
Today · 4.125%
HK$172,262
baseline
▲ 0.50% · 4.625%
HK$181,342
+HK$9,080/mo
Deposit HK$3.58M · loan HK$32.21M · min. income ≈ HK$344,524/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,521,154 · Scale 2, in force from 26 Feb 2026)