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$81,608
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,146
−HK$2,579/mo
Today · 4.125%
HK$86,725
baseline
▲ 0.50% · 4.625%
HK$92,002
+HK$5,277/mo
Deposit HK$17.89M · loan HK$17.89M · min. income ≈ HK$173,450/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$1,521,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,788
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,223
−HK$2,470/mo
Today · 4.125%
HK$95,693
baseline
▲ 0.50% · 4.625%
HK$100,737
+HK$5,044/mo
Deposit HK$17.89M · loan HK$17.89M · min. income ≈ HK$191,386/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$1,521,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,929
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,975
−HK$3,095/mo
Today · 4.125%
HK$104,070
baseline
▲ 0.50% · 4.625%
HK$110,403
+HK$6,333/mo
Deposit HK$14.32M · loan HK$21.47M · min. income ≈ HK$208,140/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,521,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,945
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,867
−HK$2,964/mo
Today · 4.125%
HK$114,831
baseline
▲ 0.50% · 4.625%
HK$120,884
+HK$6,053/mo
Deposit HK$14.32M · loan HK$21.47M · min. income ≈ HK$229,662/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,521,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,251
−HK$7,164/mo
▼ 0.25% · 3.875%
HK$117,805
−HK$3,610/mo
Today · 4.125%
HK$121,415
baseline
▲ 0.50% · 4.625%
HK$128,803
+HK$7,388/mo
Deposit HK$10.74M · loan HK$25.05M · min. income ≈ HK$242,830/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,521,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,103
−HK$6,867/mo
▼ 0.25% · 3.875%
HK$130,512
−HK$3,458/mo
Today · 4.125%
HK$133,970
baseline
▲ 0.50% · 4.625%
HK$141,032
+HK$7,062/mo
Deposit HK$10.74M · loan HK$25.05M · min. income ≈ HK$267,940/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,521,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,894
−HK$9,211/mo
▼ 0.25% · 3.875%
HK$151,463
−HK$4,642/mo
Today · 4.125%
HK$156,105
baseline
▲ 0.50% · 4.625%
HK$165,604
+HK$9,499/mo
Deposit HK$3.58M · loan HK$32.21M · min. income ≈ HK$312,210/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,521,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,418
−HK$8,829/mo
▼ 0.25% · 3.875%
HK$167,801
−HK$4,446/mo
Today · 4.125%
HK$172,247
baseline
▲ 0.50% · 4.625%
HK$181,326
+HK$9,079/mo
Deposit HK$3.58M · loan HK$32.21M · min. income ≈ HK$344,494/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,521,026 · Scale 2, in force from 26 Feb 2026)