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$81,707
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,248
−HK$2,582/mo
Today · 4.125%
HK$86,830
baseline
▲ 0.50% · 4.625%
HK$92,114
+HK$5,284/mo
Deposit HK$17.92M · loan HK$17.92M · min. income ≈ HK$173,660/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,522,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,898
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,336
−HK$2,473/mo
Today · 4.125%
HK$95,809
baseline
▲ 0.50% · 4.625%
HK$100,859
+HK$5,050/mo
Deposit HK$17.92M · loan HK$17.92M · min. income ≈ HK$191,618/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,522,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,048
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,098
−HK$3,098/mo
Today · 4.125%
HK$104,196
baseline
▲ 0.50% · 4.625%
HK$110,536
+HK$6,340/mo
Deposit HK$14.33M · loan HK$21.50M · min. income ≈ HK$208,392/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,522,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,077
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$112,003
−HK$2,967/mo
Today · 4.125%
HK$114,970
baseline
▲ 0.50% · 4.625%
HK$121,031
+HK$6,061/mo
Deposit HK$14.33M · loan HK$21.50M · min. income ≈ HK$229,940/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,522,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,389
−HK$7,173/mo
▼ 0.25% · 3.875%
HK$117,947
−HK$3,615/mo
Today · 4.125%
HK$121,562
baseline
▲ 0.50% · 4.625%
HK$128,959
+HK$7,397/mo
Deposit HK$10.75M · loan HK$25.08M · min. income ≈ HK$243,124/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,522,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,257
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$130,670
−HK$3,462/mo
Today · 4.125%
HK$134,132
baseline
▲ 0.50% · 4.625%
HK$141,202
+HK$7,070/mo
Deposit HK$10.75M · loan HK$25.08M · min. income ≈ HK$268,264/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,522,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,072
−HK$9,222/mo
▼ 0.25% · 3.875%
HK$151,646
−HK$4,648/mo
Today · 4.125%
HK$156,294
baseline
▲ 0.50% · 4.625%
HK$165,805
+HK$9,511/mo
Deposit HK$3.58M · loan HK$32.25M · min. income ≈ HK$312,588/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,522,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,616
−HK$8,839/mo
▼ 0.25% · 3.875%
HK$168,004
−HK$4,451/mo
Today · 4.125%
HK$172,455
baseline
▲ 0.50% · 4.625%
HK$181,546
+HK$9,091/mo
Deposit HK$3.58M · loan HK$32.25M · min. income ≈ HK$344,910/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,522,867 · Scale 2, in force from 26 Feb 2026)