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$81,702
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,243
−HK$2,582/mo
Today · 4.125%
HK$86,825
baseline
▲ 0.50% · 4.625%
HK$92,108
+HK$5,283/mo
Deposit HK$17.92M · loan HK$17.92M · min. income ≈ HK$173,650/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,522,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,892
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,330
−HK$2,473/mo
Today · 4.125%
HK$95,803
baseline
▲ 0.50% · 4.625%
HK$100,853
+HK$5,050/mo
Deposit HK$17.92M · loan HK$17.92M · min. income ≈ HK$191,606/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,522,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,042
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,092
−HK$3,098/mo
Today · 4.125%
HK$104,190
baseline
▲ 0.50% · 4.625%
HK$110,530
+HK$6,340/mo
Deposit HK$14.33M · loan HK$21.50M · min. income ≈ HK$208,380/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,522,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,071
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$111,996
−HK$2,968/mo
Today · 4.125%
HK$114,964
baseline
▲ 0.50% · 4.625%
HK$121,023
+HK$6,059/mo
Deposit HK$14.33M · loan HK$21.50M · min. income ≈ HK$229,928/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,522,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,382
−HK$7,173/mo
▼ 0.25% · 3.875%
HK$117,940
−HK$3,615/mo
Today · 4.125%
HK$121,555
baseline
▲ 0.50% · 4.625%
HK$128,952
+HK$7,397/mo
Deposit HK$10.75M · loan HK$25.08M · min. income ≈ HK$243,110/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,522,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,249
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$130,662
−HK$3,462/mo
Today · 4.125%
HK$134,124
baseline
▲ 0.50% · 4.625%
HK$141,194
+HK$7,070/mo
Deposit HK$10.75M · loan HK$25.08M · min. income ≈ HK$268,248/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,522,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,063
−HK$9,222/mo
▼ 0.25% · 3.875%
HK$151,638
−HK$4,647/mo
Today · 4.125%
HK$156,285
baseline
▲ 0.50% · 4.625%
HK$165,795
+HK$9,510/mo
Deposit HK$3.58M · loan HK$32.25M · min. income ≈ HK$312,570/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,522,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,606
−HK$8,839/mo
▼ 0.25% · 3.875%
HK$167,994
−HK$4,451/mo
Today · 4.125%
HK$172,445
baseline
▲ 0.50% · 4.625%
HK$181,535
+HK$9,090/mo
Deposit HK$3.58M · loan HK$32.25M · min. income ≈ HK$344,890/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,522,778 · Scale 2, in force from 26 Feb 2026)