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$81,599
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,137
−HK$2,579/mo
Today · 4.125%
HK$86,716
baseline
▲ 0.50% · 4.625%
HK$91,993
+HK$5,277/mo
Deposit HK$17.89M · loan HK$17.89M · min. income ≈ HK$173,432/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,520,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,778
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,213
−HK$2,470/mo
Today · 4.125%
HK$95,683
baseline
▲ 0.50% · 4.625%
HK$100,726
+HK$5,043/mo
Deposit HK$17.89M · loan HK$17.89M · min. income ≈ HK$191,366/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,520,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,919
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$100,965
−HK$3,094/mo
Today · 4.125%
HK$104,059
baseline
▲ 0.50% · 4.625%
HK$110,391
+HK$6,332/mo
Deposit HK$14.31M · loan HK$21.47M · min. income ≈ HK$208,118/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,934
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$111,856
−HK$2,963/mo
Today · 4.125%
HK$114,819
baseline
▲ 0.50% · 4.625%
HK$120,872
+HK$6,053/mo
Deposit HK$14.31M · loan HK$21.47M · min. income ≈ HK$229,638/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,239
−HK$7,164/mo
▼ 0.25% · 3.875%
HK$117,792
−HK$3,611/mo
Today · 4.125%
HK$121,403
baseline
▲ 0.50% · 4.625%
HK$128,790
+HK$7,387/mo
Deposit HK$10.74M · loan HK$25.05M · min. income ≈ HK$242,806/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,520,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,090
−HK$6,866/mo
▼ 0.25% · 3.875%
HK$130,498
−HK$3,458/mo
Today · 4.125%
HK$133,956
baseline
▲ 0.50% · 4.625%
HK$141,017
+HK$7,061/mo
Deposit HK$10.74M · loan HK$25.05M · min. income ≈ HK$267,912/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,520,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,879
−HK$9,210/mo
▼ 0.25% · 3.875%
HK$151,447
−HK$4,642/mo
Today · 4.125%
HK$156,089
baseline
▲ 0.50% · 4.625%
HK$165,587
+HK$9,498/mo
Deposit HK$3.58M · loan HK$32.21M · min. income ≈ HK$312,178/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,401
−HK$8,828/mo
▼ 0.25% · 3.875%
HK$167,783
−HK$4,446/mo
Today · 4.125%
HK$172,229
baseline
▲ 0.50% · 4.625%
HK$181,307
+HK$9,078/mo
Deposit HK$3.58M · loan HK$32.21M · min. income ≈ HK$344,458/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,868 · Scale 2, in force from 26 Feb 2026)