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$81,553
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,090
−HK$2,577/mo
Today · 4.125%
HK$86,667
baseline
▲ 0.50% · 4.625%
HK$91,941
+HK$5,274/mo
Deposit HK$17.88M · loan HK$17.88M · min. income ≈ HK$173,334/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,520,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,727
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$93,160
−HK$2,469/mo
Today · 4.125%
HK$95,629
baseline
▲ 0.50% · 4.625%
HK$100,669
+HK$5,040/mo
Deposit HK$17.88M · loan HK$17.88M · min. income ≈ HK$191,258/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,520,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,864
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$100,908
−HK$3,092/mo
Today · 4.125%
HK$104,000
baseline
▲ 0.50% · 4.625%
HK$110,329
+HK$6,329/mo
Deposit HK$14.31M · loan HK$21.46M · min. income ≈ HK$208,000/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,872
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$111,792
−HK$2,962/mo
Today · 4.125%
HK$114,754
baseline
▲ 0.50% · 4.625%
HK$120,803
+HK$6,049/mo
Deposit HK$14.31M · loan HK$21.46M · min. income ≈ HK$229,508/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,174
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$117,726
−HK$3,608/mo
Today · 4.125%
HK$121,334
baseline
▲ 0.50% · 4.625%
HK$128,717
+HK$7,383/mo
Deposit HK$10.73M · loan HK$25.04M · min. income ≈ HK$242,668/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,520,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,018
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$130,424
−HK$3,456/mo
Today · 4.125%
HK$133,880
baseline
▲ 0.50% · 4.625%
HK$140,937
+HK$7,057/mo
Deposit HK$10.73M · loan HK$25.04M · min. income ≈ HK$267,760/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,520,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,795
−HK$9,206/mo
▼ 0.25% · 3.875%
HK$151,361
−HK$4,640/mo
Today · 4.125%
HK$156,001
baseline
▲ 0.50% · 4.625%
HK$165,493
+HK$9,492/mo
Deposit HK$3.58M · loan HK$32.19M · min. income ≈ HK$312,002/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,308
−HK$8,823/mo
▼ 0.25% · 3.875%
HK$167,688
−HK$4,443/mo
Today · 4.125%
HK$172,131
baseline
▲ 0.50% · 4.625%
HK$181,205
+HK$9,074/mo
Deposit HK$3.58M · loan HK$32.19M · min. income ≈ HK$344,262/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,005 · Scale 2, in force from 26 Feb 2026)