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$81,627
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$84,167
−HK$2,579/mo
Today · 4.125%
HK$86,746
baseline
▲ 0.50% · 4.625%
HK$92,025
+HK$5,279/mo
Deposit HK$17.90M · loan HK$17.90M · min. income ≈ HK$173,492/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$1,521,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,810
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,245
−HK$2,471/mo
Today · 4.125%
HK$95,716
baseline
▲ 0.50% · 4.625%
HK$100,761
+HK$5,045/mo
Deposit HK$17.90M · loan HK$17.90M · min. income ≈ HK$191,432/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$1,521,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,953
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$101,000
−HK$3,095/mo
Today · 4.125%
HK$104,095
baseline
▲ 0.50% · 4.625%
HK$110,429
+HK$6,334/mo
Deposit HK$14.32M · loan HK$21.48M · min. income ≈ HK$208,190/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,521,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,972
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,894
−HK$2,965/mo
Today · 4.125%
HK$114,859
baseline
▲ 0.50% · 4.625%
HK$120,913
+HK$6,054/mo
Deposit HK$14.32M · loan HK$21.48M · min. income ≈ HK$229,718/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,521,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,278
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$117,833
−HK$3,612/mo
Today · 4.125%
HK$121,445
baseline
▲ 0.50% · 4.625%
HK$128,834
+HK$7,389/mo
Deposit HK$10.74M · loan HK$25.06M · min. income ≈ HK$242,890/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,521,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,134
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$130,543
−HK$3,459/mo
Today · 4.125%
HK$134,002
baseline
▲ 0.50% · 4.625%
HK$141,066
+HK$7,064/mo
Deposit HK$10.74M · loan HK$25.06M · min. income ≈ HK$268,004/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,521,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,929
−HK$9,214/mo
▼ 0.25% · 3.875%
HK$151,500
−HK$4,643/mo
Today · 4.125%
HK$156,143
baseline
▲ 0.50% · 4.625%
HK$165,644
+HK$9,501/mo
Deposit HK$3.58M · loan HK$32.22M · min. income ≈ HK$312,286/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,521,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,457
−HK$8,832/mo
▼ 0.25% · 3.875%
HK$167,841
−HK$4,448/mo
Today · 4.125%
HK$172,289
baseline
▲ 0.50% · 4.625%
HK$181,370
+HK$9,081/mo
Deposit HK$3.58M · loan HK$32.22M · min. income ≈ HK$344,578/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,521,393 · Scale 2, in force from 26 Feb 2026)