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$81,916
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$84,464
−HK$2,589/mo
Today · 4.125%
HK$87,053
baseline
▲ 0.50% · 4.625%
HK$92,350
+HK$5,297/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$174,106/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,526,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,131
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,575
−HK$2,479/mo
Today · 4.125%
HK$96,054
baseline
▲ 0.50% · 4.625%
HK$101,117
+HK$5,063/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$192,108/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,526,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,299
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$101,357
−HK$3,106/mo
Today · 4.125%
HK$104,463
baseline
▲ 0.50% · 4.625%
HK$110,820
+HK$6,357/mo
Deposit HK$14.37M · loan HK$21.55M · min. income ≈ HK$208,926/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,526,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,357
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,290
−HK$2,975/mo
Today · 4.125%
HK$115,265
baseline
▲ 0.50% · 4.625%
HK$121,341
+HK$6,076/mo
Deposit HK$14.37M · loan HK$21.55M · min. income ≈ HK$230,530/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,526,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,682
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$118,250
−HK$3,624/mo
Today · 4.125%
HK$121,874
baseline
▲ 0.50% · 4.625%
HK$129,290
+HK$7,416/mo
Deposit HK$10.78M · loan HK$25.15M · min. income ≈ HK$243,748/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,583
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$131,005
−HK$3,471/mo
Today · 4.125%
HK$134,476
baseline
▲ 0.50% · 4.625%
HK$141,564
+HK$7,088/mo
Deposit HK$10.78M · loan HK$25.15M · min. income ≈ HK$268,952/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,449
−HK$9,246/mo
▼ 0.25% · 3.875%
HK$152,035
−HK$4,660/mo
Today · 4.125%
HK$156,695
baseline
▲ 0.50% · 4.625%
HK$166,230
+HK$9,535/mo
Deposit HK$3.59M · loan HK$32.33M · min. income ≈ HK$313,390/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,035
−HK$8,862/mo
▼ 0.25% · 3.875%
HK$168,434
−HK$4,463/mo
Today · 4.125%
HK$172,897
baseline
▲ 0.50% · 4.625%
HK$182,011
+HK$9,114/mo
Deposit HK$3.59M · loan HK$32.33M · min. income ≈ HK$345,794/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,770 · Scale 2, in force from 26 Feb 2026)