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$81,632
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$84,171
−HK$2,580/mo
Today · 4.125%
HK$86,751
baseline
▲ 0.50% · 4.625%
HK$92,029
+HK$5,278/mo
Deposit HK$17.90M · loan HK$17.90M · min. income ≈ HK$173,502/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$1,521,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,814
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$93,250
−HK$2,471/mo
Today · 4.125%
HK$95,721
baseline
▲ 0.50% · 4.625%
HK$100,766
+HK$5,045/mo
Deposit HK$17.90M · loan HK$17.90M · min. income ≈ HK$191,442/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$1,521,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,958
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$101,005
−HK$3,096/mo
Today · 4.125%
HK$104,101
baseline
▲ 0.50% · 4.625%
HK$110,435
+HK$6,334/mo
Deposit HK$14.32M · loan HK$21.48M · min. income ≈ HK$208,202/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,521,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,977
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$111,900
−HK$2,965/mo
Today · 4.125%
HK$114,865
baseline
▲ 0.50% · 4.625%
HK$120,920
+HK$6,055/mo
Deposit HK$14.32M · loan HK$21.48M · min. income ≈ HK$229,730/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,521,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,284
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$117,839
−HK$3,612/mo
Today · 4.125%
HK$121,451
baseline
▲ 0.50% · 4.625%
HK$128,841
+HK$7,390/mo
Deposit HK$10.74M · loan HK$25.06M · min. income ≈ HK$242,902/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,521,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,140
−HK$6,869/mo
▼ 0.25% · 3.875%
HK$130,550
−HK$3,459/mo
Today · 4.125%
HK$134,009
baseline
▲ 0.50% · 4.625%
HK$141,073
+HK$7,064/mo
Deposit HK$10.74M · loan HK$25.06M · min. income ≈ HK$268,018/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,521,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,937
−HK$9,214/mo
▼ 0.25% · 3.875%
HK$151,507
−HK$4,644/mo
Today · 4.125%
HK$156,151
baseline
▲ 0.50% · 4.625%
HK$165,652
+HK$9,501/mo
Deposit HK$3.58M · loan HK$32.22M · min. income ≈ HK$312,302/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,521,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,466
−HK$8,831/mo
▼ 0.25% · 3.875%
HK$167,850
−HK$4,447/mo
Today · 4.125%
HK$172,297
baseline
▲ 0.50% · 4.625%
HK$181,379
+HK$9,082/mo
Deposit HK$3.58M · loan HK$32.22M · min. income ≈ HK$344,594/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,521,471 · Scale 2, in force from 26 Feb 2026)