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$81,474
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,009
−HK$2,575/mo
Today · 4.125%
HK$86,584
baseline
▲ 0.50% · 4.625%
HK$91,852
+HK$5,268/mo
Deposit HK$17.87M · loan HK$17.87M · min. income ≈ HK$173,168/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,518,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,639
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,070
−HK$2,466/mo
Today · 4.125%
HK$95,536
baseline
▲ 0.50% · 4.625%
HK$100,572
+HK$5,036/mo
Deposit HK$17.87M · loan HK$17.87M · min. income ≈ HK$191,072/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,518,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,769
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,810
−HK$3,090/mo
Today · 4.125%
HK$103,900
baseline
▲ 0.50% · 4.625%
HK$110,222
+HK$6,322/mo
Deposit HK$14.29M · loan HK$21.44M · min. income ≈ HK$207,800/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,518,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,767
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$111,684
−HK$2,960/mo
Today · 4.125%
HK$114,644
baseline
▲ 0.50% · 4.625%
HK$120,687
+HK$6,043/mo
Deposit HK$14.29M · loan HK$21.44M · min. income ≈ HK$229,288/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,518,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,064
−HK$7,153/mo
▼ 0.25% · 3.875%
HK$117,612
−HK$3,605/mo
Today · 4.125%
HK$121,217
baseline
▲ 0.50% · 4.625%
HK$128,593
+HK$7,376/mo
Deposit HK$10.72M · loan HK$25.01M · min. income ≈ HK$242,434/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,518,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,895
−HK$6,856/mo
▼ 0.25% · 3.875%
HK$130,298
−HK$3,453/mo
Today · 4.125%
HK$133,751
baseline
▲ 0.50% · 4.625%
HK$140,801
+HK$7,050/mo
Deposit HK$10.72M · loan HK$25.01M · min. income ≈ HK$267,502/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,518,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,654
−HK$9,196/mo
▼ 0.25% · 3.875%
HK$151,216
−HK$4,634/mo
Today · 4.125%
HK$155,850
baseline
▲ 0.50% · 4.625%
HK$165,333
+HK$9,483/mo
Deposit HK$3.57M · loan HK$32.16M · min. income ≈ HK$311,700/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,518,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,151
−HK$8,814/mo
▼ 0.25% · 3.875%
HK$167,527
−HK$4,438/mo
Today · 4.125%
HK$171,965
baseline
▲ 0.50% · 4.625%
HK$181,030
+HK$9,065/mo
Deposit HK$3.57M · loan HK$32.16M · min. income ≈ HK$343,930/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,518,540 · Scale 2, in force from 26 Feb 2026)