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$81,531
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,067
−HK$2,577/mo
Today · 4.125%
HK$86,644
baseline
▲ 0.50% · 4.625%
HK$91,916
+HK$5,272/mo
Deposit HK$17.88M · loan HK$17.88M · min. income ≈ HK$173,288/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,519,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,703
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,135
−HK$2,468/mo
Today · 4.125%
HK$95,603
baseline
▲ 0.50% · 4.625%
HK$100,642
+HK$5,039/mo
Deposit HK$17.88M · loan HK$17.88M · min. income ≈ HK$191,206/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,519,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,837
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$100,881
−HK$3,092/mo
Today · 4.125%
HK$103,973
baseline
▲ 0.50% · 4.625%
HK$110,299
+HK$6,326/mo
Deposit HK$14.30M · loan HK$21.45M · min. income ≈ HK$207,946/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,519,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,843
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$111,762
−HK$2,962/mo
Today · 4.125%
HK$114,724
baseline
▲ 0.50% · 4.625%
HK$120,771
+HK$6,047/mo
Deposit HK$14.30M · loan HK$21.45M · min. income ≈ HK$229,448/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,519,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,144
−HK$7,157/mo
▼ 0.25% · 3.875%
HK$117,694
−HK$3,607/mo
Today · 4.125%
HK$121,301
baseline
▲ 0.50% · 4.625%
HK$128,682
+HK$7,381/mo
Deposit HK$10.73M · loan HK$25.03M · min. income ≈ HK$242,602/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,519,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,984
−HK$6,860/mo
▼ 0.25% · 3.875%
HK$130,389
−HK$3,455/mo
Today · 4.125%
HK$133,844
baseline
▲ 0.50% · 4.625%
HK$140,899
+HK$7,055/mo
Deposit HK$10.73M · loan HK$25.03M · min. income ≈ HK$267,688/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,519,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,756
−HK$9,203/mo
▼ 0.25% · 3.875%
HK$151,321
−HK$4,638/mo
Today · 4.125%
HK$155,959
baseline
▲ 0.50% · 4.625%
HK$165,449
+HK$9,490/mo
Deposit HK$3.58M · loan HK$32.18M · min. income ≈ HK$311,918/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,519,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,265
−HK$8,820/mo
▼ 0.25% · 3.875%
HK$167,643
−HK$4,442/mo
Today · 4.125%
HK$172,085
baseline
▲ 0.50% · 4.625%
HK$181,156
+HK$9,071/mo
Deposit HK$3.58M · loan HK$32.18M · min. income ≈ HK$344,170/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,519,598 · Scale 2, in force from 26 Feb 2026)