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$81,554
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,091
−HK$2,577/mo
Today · 4.125%
HK$86,668
baseline
▲ 0.50% · 4.625%
HK$91,942
+HK$5,274/mo
Deposit HK$17.88M · loan HK$17.88M · min. income ≈ HK$173,336/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,520,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,728
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$93,162
−HK$2,468/mo
Today · 4.125%
HK$95,630
baseline
▲ 0.50% · 4.625%
HK$100,671
+HK$5,041/mo
Deposit HK$17.88M · loan HK$17.88M · min. income ≈ HK$191,260/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,520,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,865
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$100,909
−HK$3,093/mo
Today · 4.125%
HK$104,002
baseline
▲ 0.50% · 4.625%
HK$110,330
+HK$6,328/mo
Deposit HK$14.31M · loan HK$21.46M · min. income ≈ HK$208,004/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,874
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$111,794
−HK$2,962/mo
Today · 4.125%
HK$114,756
baseline
▲ 0.50% · 4.625%
HK$120,805
+HK$6,049/mo
Deposit HK$14.31M · loan HK$21.46M · min. income ≈ HK$229,512/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,176
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$117,727
−HK$3,609/mo
Today · 4.125%
HK$121,336
baseline
▲ 0.50% · 4.625%
HK$128,719
+HK$7,383/mo
Deposit HK$10.73M · loan HK$25.04M · min. income ≈ HK$242,672/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,520,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,020
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$130,426
−HK$3,456/mo
Today · 4.125%
HK$133,882
baseline
▲ 0.50% · 4.625%
HK$140,939
+HK$7,057/mo
Deposit HK$10.73M · loan HK$25.04M · min. income ≈ HK$267,764/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,520,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,798
−HK$9,205/mo
▼ 0.25% · 3.875%
HK$151,364
−HK$4,639/mo
Today · 4.125%
HK$156,003
baseline
▲ 0.50% · 4.625%
HK$165,496
+HK$9,493/mo
Deposit HK$3.58M · loan HK$32.19M · min. income ≈ HK$312,006/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,311
−HK$8,823/mo
▼ 0.25% · 3.875%
HK$167,691
−HK$4,443/mo
Today · 4.125%
HK$172,134
baseline
▲ 0.50% · 4.625%
HK$181,207
+HK$9,073/mo
Deposit HK$3.58M · loan HK$32.19M · min. income ≈ HK$344,268/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,029 · Scale 2, in force from 26 Feb 2026)