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$81,924
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$84,472
−HK$2,589/mo
Today · 4.125%
HK$87,061
baseline
▲ 0.50% · 4.625%
HK$92,359
+HK$5,298/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$174,122/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,526,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,139
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$93,584
−HK$2,479/mo
Today · 4.125%
HK$96,063
baseline
▲ 0.50% · 4.625%
HK$101,127
+HK$5,064/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$192,126/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,526,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,308
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,366
−HK$3,107/mo
Today · 4.125%
HK$104,473
baseline
▲ 0.50% · 4.625%
HK$110,830
+HK$6,357/mo
Deposit HK$14.37M · loan HK$21.56M · min. income ≈ HK$208,946/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,526,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,367
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,300
−HK$2,976/mo
Today · 4.125%
HK$115,276
baseline
▲ 0.50% · 4.625%
HK$121,352
+HK$6,076/mo
Deposit HK$14.37M · loan HK$21.56M · min. income ≈ HK$230,552/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,526,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,693
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$118,261
−HK$3,624/mo
Today · 4.125%
HK$121,885
baseline
▲ 0.50% · 4.625%
HK$129,302
+HK$7,417/mo
Deposit HK$10.78M · loan HK$25.15M · min. income ≈ HK$243,770/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,526,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,595
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$131,017
−HK$3,472/mo
Today · 4.125%
HK$134,489
baseline
▲ 0.50% · 4.625%
HK$141,578
+HK$7,089/mo
Deposit HK$10.78M · loan HK$25.15M · min. income ≈ HK$268,978/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,526,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,463
−HK$9,247/mo
▼ 0.25% · 3.875%
HK$152,050
−HK$4,660/mo
Today · 4.125%
HK$156,710
baseline
▲ 0.50% · 4.625%
HK$166,245
+HK$9,535/mo
Deposit HK$3.59M · loan HK$32.33M · min. income ≈ HK$313,420/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,051
−HK$8,863/mo
▼ 0.25% · 3.875%
HK$168,451
−HK$4,463/mo
Today · 4.125%
HK$172,914
baseline
▲ 0.50% · 4.625%
HK$182,028
+HK$9,114/mo
Deposit HK$3.59M · loan HK$32.33M · min. income ≈ HK$345,828/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,916 · Scale 2, in force from 26 Feb 2026)