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$81,573
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$84,110
−HK$2,578/mo
Today · 4.125%
HK$86,688
baseline
▲ 0.50% · 4.625%
HK$91,963
+HK$5,275/mo
Deposit HK$17.89M · loan HK$17.89M · min. income ≈ HK$173,376/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,520,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,749
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$93,183
−HK$2,469/mo
Today · 4.125%
HK$95,652
baseline
▲ 0.50% · 4.625%
HK$100,694
+HK$5,042/mo
Deposit HK$17.89M · loan HK$17.89M · min. income ≈ HK$191,304/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,520,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,887
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$100,932
−HK$3,094/mo
Today · 4.125%
HK$104,026
baseline
▲ 0.50% · 4.625%
HK$110,356
+HK$6,330/mo
Deposit HK$14.31M · loan HK$21.46M · min. income ≈ HK$208,052/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,899
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$111,819
−HK$2,963/mo
Today · 4.125%
HK$114,782
baseline
▲ 0.50% · 4.625%
HK$120,833
+HK$6,051/mo
Deposit HK$14.31M · loan HK$21.46M · min. income ≈ HK$229,564/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,202
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$117,754
−HK$3,609/mo
Today · 4.125%
HK$121,363
baseline
▲ 0.50% · 4.625%
HK$128,748
+HK$7,385/mo
Deposit HK$10.73M · loan HK$25.04M · min. income ≈ HK$242,726/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,520,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,049
−HK$6,864/mo
▼ 0.25% · 3.875%
HK$130,456
−HK$3,457/mo
Today · 4.125%
HK$133,913
baseline
▲ 0.50% · 4.625%
HK$140,971
+HK$7,058/mo
Deposit HK$10.73M · loan HK$25.04M · min. income ≈ HK$267,826/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,520,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,831
−HK$9,208/mo
▼ 0.25% · 3.875%
HK$151,398
−HK$4,641/mo
Today · 4.125%
HK$156,039
baseline
▲ 0.50% · 4.625%
HK$165,533
+HK$9,494/mo
Deposit HK$3.58M · loan HK$32.20M · min. income ≈ HK$312,078/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,348
−HK$8,825/mo
▼ 0.25% · 3.875%
HK$167,729
−HK$4,444/mo
Today · 4.125%
HK$172,173
baseline
▲ 0.50% · 4.625%
HK$181,249
+HK$9,076/mo
Deposit HK$3.58M · loan HK$32.20M · min. income ≈ HK$344,346/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,376 · Scale 2, in force from 26 Feb 2026)