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$81,670
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$84,210
−HK$2,581/mo
Today · 4.125%
HK$86,791
baseline
▲ 0.50% · 4.625%
HK$92,072
+HK$5,281/mo
Deposit HK$17.91M · loan HK$17.91M · min. income ≈ HK$173,582/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,522,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,857
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,293
−HK$2,472/mo
Today · 4.125%
HK$95,765
baseline
▲ 0.50% · 4.625%
HK$100,813
+HK$5,048/mo
Deposit HK$17.91M · loan HK$17.91M · min. income ≈ HK$191,530/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,522,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,004
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,052
−HK$3,097/mo
Today · 4.125%
HK$104,149
baseline
▲ 0.50% · 4.625%
HK$110,487
+HK$6,338/mo
Deposit HK$14.33M · loan HK$21.49M · min. income ≈ HK$208,298/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,522,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,028
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$111,952
−HK$2,966/mo
Today · 4.125%
HK$114,918
baseline
▲ 0.50% · 4.625%
HK$120,976
+HK$6,058/mo
Deposit HK$14.33M · loan HK$21.49M · min. income ≈ HK$229,836/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,522,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,338
−HK$7,170/mo
▼ 0.25% · 3.875%
HK$117,894
−HK$3,614/mo
Today · 4.125%
HK$121,508
baseline
▲ 0.50% · 4.625%
HK$128,901
+HK$7,393/mo
Deposit HK$10.74M · loan HK$25.07M · min. income ≈ HK$243,016/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,522,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,199
−HK$6,873/mo
▼ 0.25% · 3.875%
HK$130,611
−HK$3,461/mo
Today · 4.125%
HK$134,072
baseline
▲ 0.50% · 4.625%
HK$141,139
+HK$7,067/mo
Deposit HK$10.74M · loan HK$25.07M · min. income ≈ HK$268,144/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,522,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,005
−HK$9,219/mo
▼ 0.25% · 3.875%
HK$151,578
−HK$4,646/mo
Today · 4.125%
HK$156,224
baseline
▲ 0.50% · 4.625%
HK$165,730
+HK$9,506/mo
Deposit HK$3.58M · loan HK$32.23M · min. income ≈ HK$312,448/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,522,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,542
−HK$8,836/mo
▼ 0.25% · 3.875%
HK$167,928
−HK$4,450/mo
Today · 4.125%
HK$172,378
baseline
▲ 0.50% · 4.625%
HK$181,464
+HK$9,086/mo
Deposit HK$3.58M · loan HK$32.23M · min. income ≈ HK$344,756/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,522,181 · Scale 2, in force from 26 Feb 2026)