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$81,474
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$84,008
−HK$2,575/mo
Today · 4.125%
HK$86,583
baseline
▲ 0.50% · 4.625%
HK$91,851
+HK$5,268/mo
Deposit HK$17.87M · loan HK$17.87M · min. income ≈ HK$173,166/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,518,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,639
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,070
−HK$2,466/mo
Today · 4.125%
HK$95,536
baseline
▲ 0.50% · 4.625%
HK$100,572
+HK$5,036/mo
Deposit HK$17.87M · loan HK$17.87M · min. income ≈ HK$191,072/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,518,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,769
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,810
−HK$3,090/mo
Today · 4.125%
HK$103,900
baseline
▲ 0.50% · 4.625%
HK$110,222
+HK$6,322/mo
Deposit HK$14.29M · loan HK$21.44M · min. income ≈ HK$207,800/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,518,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,767
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$111,684
−HK$2,959/mo
Today · 4.125%
HK$114,643
baseline
▲ 0.50% · 4.625%
HK$120,686
+HK$6,043/mo
Deposit HK$14.29M · loan HK$21.44M · min. income ≈ HK$229,286/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,518,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,063
−HK$7,153/mo
▼ 0.25% · 3.875%
HK$117,611
−HK$3,605/mo
Today · 4.125%
HK$121,216
baseline
▲ 0.50% · 4.625%
HK$128,592
+HK$7,376/mo
Deposit HK$10.72M · loan HK$25.01M · min. income ≈ HK$242,432/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,518,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,894
−HK$6,856/mo
▼ 0.25% · 3.875%
HK$130,298
−HK$3,452/mo
Today · 4.125%
HK$133,750
baseline
▲ 0.50% · 4.625%
HK$140,800
+HK$7,050/mo
Deposit HK$10.72M · loan HK$25.01M · min. income ≈ HK$267,500/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,518,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,653
−HK$9,196/mo
▼ 0.25% · 3.875%
HK$151,215
−HK$4,634/mo
Today · 4.125%
HK$155,849
baseline
▲ 0.50% · 4.625%
HK$165,333
+HK$9,484/mo
Deposit HK$3.57M · loan HK$32.16M · min. income ≈ HK$311,698/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,518,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,150
−HK$8,815/mo
▼ 0.25% · 3.875%
HK$167,526
−HK$4,439/mo
Today · 4.125%
HK$171,965
baseline
▲ 0.50% · 4.625%
HK$181,029
+HK$9,064/mo
Deposit HK$3.57M · loan HK$32.16M · min. income ≈ HK$343,930/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,518,532 · Scale 2, in force from 26 Feb 2026)