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$81,630
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$84,169
−HK$2,580/mo
Today · 4.125%
HK$86,749
baseline
▲ 0.50% · 4.625%
HK$92,027
+HK$5,278/mo
Deposit HK$17.90M · loan HK$17.90M · min. income ≈ HK$173,498/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$1,521,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,813
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,248
−HK$2,471/mo
Today · 4.125%
HK$95,719
baseline
▲ 0.50% · 4.625%
HK$100,764
+HK$5,045/mo
Deposit HK$17.90M · loan HK$17.90M · min. income ≈ HK$191,438/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$1,521,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,956
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$101,003
−HK$3,096/mo
Today · 4.125%
HK$104,099
baseline
▲ 0.50% · 4.625%
HK$110,433
+HK$6,334/mo
Deposit HK$14.32M · loan HK$21.48M · min. income ≈ HK$208,198/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,521,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,975
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$111,898
−HK$2,965/mo
Today · 4.125%
HK$114,863
baseline
▲ 0.50% · 4.625%
HK$120,917
+HK$6,054/mo
Deposit HK$14.32M · loan HK$21.48M · min. income ≈ HK$229,726/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,521,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,282
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$117,837
−HK$3,612/mo
Today · 4.125%
HK$121,449
baseline
▲ 0.50% · 4.625%
HK$128,838
+HK$7,389/mo
Deposit HK$10.74M · loan HK$25.06M · min. income ≈ HK$242,898/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,521,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,138
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$130,547
−HK$3,459/mo
Today · 4.125%
HK$134,006
baseline
▲ 0.50% · 4.625%
HK$141,070
+HK$7,064/mo
Deposit HK$10.74M · loan HK$25.06M · min. income ≈ HK$268,012/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,521,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,934
−HK$9,214/mo
▼ 0.25% · 3.875%
HK$151,505
−HK$4,643/mo
Today · 4.125%
HK$156,148
baseline
▲ 0.50% · 4.625%
HK$165,649
+HK$9,501/mo
Deposit HK$3.58M · loan HK$32.22M · min. income ≈ HK$312,296/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,521,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,463
−HK$8,831/mo
▼ 0.25% · 3.875%
HK$167,847
−HK$4,447/mo
Today · 4.125%
HK$172,294
baseline
▲ 0.50% · 4.625%
HK$181,376
+HK$9,082/mo
Deposit HK$3.58M · loan HK$32.22M · min. income ≈ HK$344,588/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,521,442 · Scale 2, in force from 26 Feb 2026)