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$81,484
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$84,018
−HK$2,575/mo
Today · 4.125%
HK$86,593
baseline
▲ 0.50% · 4.625%
HK$91,862
+HK$5,269/mo
Deposit HK$17.87M · loan HK$17.87M · min. income ≈ HK$173,186/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$1,518,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,650
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,081
−HK$2,466/mo
Today · 4.125%
HK$95,547
baseline
▲ 0.50% · 4.625%
HK$100,584
+HK$5,037/mo
Deposit HK$17.87M · loan HK$17.87M · min. income ≈ HK$191,094/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$1,518,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,780
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$100,822
−HK$3,090/mo
Today · 4.125%
HK$103,912
baseline
▲ 0.50% · 4.625%
HK$110,235
+HK$6,323/mo
Deposit HK$14.29M · loan HK$21.44M · min. income ≈ HK$207,824/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,518,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,780
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$111,697
−HK$2,960/mo
Today · 4.125%
HK$114,657
baseline
▲ 0.50% · 4.625%
HK$120,700
+HK$6,043/mo
Deposit HK$14.29M · loan HK$21.44M · min. income ≈ HK$229,314/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,518,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,077
−HK$7,154/mo
▼ 0.25% · 3.875%
HK$117,625
−HK$3,606/mo
Today · 4.125%
HK$121,231
baseline
▲ 0.50% · 4.625%
HK$128,607
+HK$7,376/mo
Deposit HK$10.72M · loan HK$25.01M · min. income ≈ HK$242,462/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,518,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,909
−HK$6,857/mo
▼ 0.25% · 3.875%
HK$130,313
−HK$3,453/mo
Today · 4.125%
HK$133,766
baseline
▲ 0.50% · 4.625%
HK$140,817
+HK$7,051/mo
Deposit HK$10.72M · loan HK$25.01M · min. income ≈ HK$267,532/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,518,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,670
−HK$9,198/mo
▼ 0.25% · 3.875%
HK$151,233
−HK$4,635/mo
Today · 4.125%
HK$155,868
baseline
▲ 0.50% · 4.625%
HK$165,352
+HK$9,484/mo
Deposit HK$3.57M · loan HK$32.16M · min. income ≈ HK$311,736/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,518,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,169
−HK$8,816/mo
▼ 0.25% · 3.875%
HK$167,545
−HK$4,440/mo
Today · 4.125%
HK$171,985
baseline
▲ 0.50% · 4.625%
HK$181,050
+HK$9,065/mo
Deposit HK$3.57M · loan HK$32.16M · min. income ≈ HK$343,970/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,518,711 · Scale 2, in force from 26 Feb 2026)